| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CRAIN GROUP3 | PO BOX 1455 SEYMOUR, TN 37865 | COMPANION LIFE | $123K | — | $123K | 11.71% |
| GROUP INSURANCE SERVICES INC3 | ONE CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | COMPANION LIFE | $58K | — | $58K | 5.55% |
| MICHAEL CRAIN3 | 8207 CHAPMAN HWY KNOXVILLE, TN 37920 | BLUERE OF TENNESSEE | — | $68K | $68K | 7.36% |
| MICHAEL CRAIN3 | 8207 CHAPMAN HWY KNOXVILLE, TN 37920 | BLUECROSS BLUESHIELD OF TENNESSEE INC. | — | $78K | $78K | 59.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MICHAEL CRAIN BROKER | Contract Administrator Service code 13 | 8207 CHAPMAN HWY KNOXVILLE, TN 37920 | $529K |
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 | 1,856 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,856 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUERE OF TENNESSEE | 1,856 | $921K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE INC. | 1,840 | $131K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE INC. | 1,840 | $131K |
| Life insurance | COMPANION LIFE | 75 | $1.0M |
| Long-term disability | COMPANION LIFE | 75 | $1.0M |
| Other(2 contracts, 2 carriers) | COMPANION LIFE | 1,856 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,856 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.