| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 501 CORPORATE CENTRE DRIVE SUITE 300 FRANKLIN, TN 37067 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $65K | $0 | $65K | 2.05% |
| CHRISTOPHER SCHICKLING3 Filed as: CHRISTOPHER B. SCHICKLN | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $32K | $0 | $32K | 1.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $31K | $2K | $34K | 11.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE SUITE 1350 ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $0 | $12K | 4.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL OF TENNESSEE | $10K | $0 | $10K | 3.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE SUITE 1350 ORLANDO, FL 32801 | DELTA DENTAL OF TENNESSEE | $9K | $0 | $9K | 3.10% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | COMBINED INSURANCE | $15K | $0 | $15K | 20.52% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $905 | $3K | 9.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE SUITE 1350 ORLANDO, FL 32801 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 4.02% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 437 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 694 | $3.2M |
| Dental | DELTA DENTAL OF TENNESSEE | 816 | $285K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 701 | $35K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 437 | $292K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 437 | $292K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 437 | $292K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 694 | $3.2M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 437 | $365K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 816 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.