| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBYN RHODES3 Filed as: ROBYN L RHODES | 1862 BROOKSEDGE DR GERMANTOWN, TN 38138 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $82K | — | $82K | 8.32% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 15.00% |
| ROBYN LYNN RHODES3 | 15 PARADISE PLAZA PO BOX 291 SARASOTA, FL 34239 | USABLE LIFE | $3K | — | $3K | 15.00% |
| ROBYN RHODES3 | 15 PARADISE PLAZA PO BOX 291 SARASOTA, FL 34242 | USABLE LIFE | $1K | — | $1K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | — | $1K | 15.00% |
| ROBYN RHODES3 | 15 PARADISE PLAZA PO BOX 291 SARASOTA, FL 34242 | USABLE LIFE | $1K | — | $1K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | — | $1K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $207 | $21 | $228 | 22.03% |
| ROBYN RHODES3 | 15 PARADISE PLAZA PO BOX 291 SARASOTA, FL 34242 | USABLE LIFE | $104 | — | $104 | 10.05% |
| ROBYN RHODES3 | 15 PARADISE PLAZA PO BOX 291 SARASOTA, FL 34242 | USABLE LIFE | $147 | — | $147 | 14.97% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $147 | — | $147 | 14.97% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 396 | $985K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 396 | $985K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 396 | $985K |
| Life insurance | USABLE LIFE | 162 | $21K |
| Short-term disability | USABLE LIFE | 75 | $10K |
| Long-term disability | USABLE LIFE | 64 | $9K |
| Other(5 contracts) | USABLE LIFE | 357 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.