| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRED MOORE3 | 605 CHESTNUT ST STE 500 CHATTANOOGA, TN 37405 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $20K | — | $20K | 2.83% |
| KYMBERLY CLEVENGER3 | 10325 TECHNOLOGY DR KNOXVILLE, TN 37923 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $11K | — | $11K | 1.54% |
| DOUGLAS MOONEY3 | PO BOX 31349 KNOXVILLE, TN 37930 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $31 | — | $31 | 0.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $7K | — | $7K | 9.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT ST. STE 800 WORCESTER, MA 01608 | USABLE LIFE | $6K | — | $6K | 8.08% |
| ASSURANCE AGENCY LTD3 Filed as: THE ASSURANCE CENTER | 10325 TECHNOLOGY DRIVE KNOXVILLE, TN 37932 | USABLE LIFE | $3K | — | $3K | 3.77% |
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 | 211 | 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) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 248 | $720K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 248 | $720K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 248 | $720K |
| Life insurance | USABLE LIFE | 211 | $75K |
| Short-term disability | USABLE LIFE | 211 | $75K |
| Other | USABLE LIFE | 211 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.