| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $50 | $50 | 0.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUECROSS BLUESHIELD OF TENNESSEE | 1 CAMERON HILL DRIVE CHATTANOOGA, TN 37402 | FOUR EVER LIFE INSURANCE COMPANY | — | $76K | $76K | 2.05% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUECROSS BLUESHIELD OF TENNESSEE | 1 CAMERON HILL DRIVE CHATTANOOGA, TN 37402 | FOUR EVER LIFE INSURANCE COMPANY | — | $15K | $15K | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METLIFE EIN 13-5581829 NONE | Contract Administrator; Claims processing Service code 12 | — | $12.3M |
| BCBS OF TENNESSEE EIN 36-3739783 NONE | Claims processing; Contract Administrator Service code 12 | — | $5.5M |
| GEOBLUE (WORLD WIDE INS. SERVICES) EIN 23-2903313 NONE | Insurance services Service code 23 | — | $4.0M |
| TAKE CARE HEALTH EIN 73-1201287 NONE | Insurance services Service code 23 | — | $2.6M |
| REDBRICK HEALTH CORPORATION EIN 20-5250594 NONE | Contract Administrator Service code 13 | — | $2.5M |
| EYEMED (FIDELITY SECURITY INS.) EIN 43-0949844 NONE | Insurance services Service code 23 | — | $2.4M |
| MEDIFIT EIN 22-3339492 NONE | Other services Service code 49 | — | $1.3M |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 NONE | Contract Administrator; Claims processing Service code 12 | — | $604K |
| MAGELLAN EIN 52-2135463 NONE | Claims processing; Contract Administrator Service code 12 | — | $564K |
| HEWITT EIN 36-2235791 NONE | Consulting (general) Service code 16 | — | $472K |
| BEST DOCTOR EIN 04-2908444 NONE | Contract Administrator Service code 13 | — | $402K |
| DELOITTE CONSULTING, LLP EIN 06-1454513 NONE | Accounting (including auditing) Service code 10 | — | $333K |
| COMPREHENSIVE HEALTH SERVICES EIN 52-1044628 NONE | Other services Service code 49 | — | $265K |
| CARE OPERATIVE EIN 20-8981027 NONE | Contract Administrator Service code 13 | — | $131K |
| DATA MARKETING NETWORK EIN 62-1207810 NONE | Other services Service code 49 | — | $101K |
| GRAPHIC PROCESS, INC. EIN 06-2085400 NONE | Other services Service code 49 | — | $81K |
| MERCER EIN 13-2834414 NONE | Consulting (general) Service code 16 | — | $34K |
| LBMC EIN 62-1199757 NONE | Accounting (including auditing) Service code 10 | — | $27K |
| J. MARLIN PRODUCTIONS EIN 20-2822289 NONE | Other services Service code 49 | — | $9K |
| NORTHERN TRUST EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $5K |
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 | 16,833 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,592 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 18,425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | FOUR EVER LIFE INSURANCE COMPANY | 267 | $4.5M |
| Dental(2 contracts) | FOUR EVER LIFE INSURANCE COMPANY | 267 | $4.5M |
| Vision(3 contracts, 2 carriers) | FOUR EVER LIFE INSURANCE COMPANY | 17,191 | $6.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 16,363 | $12.6M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 16,363 | $12.6M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 16,363 | $12.6M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 16,833 | $13.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,191 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.