| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEE SCHEUER3 | 3925 BOHANNON DRIVE MENLO PARK, CA 94025 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $17K | — | $17K | 1.94% |
| INTL. PROINSURANCE SERVICES LLC3 | 3925 BOHANNON DR, STE 100 MENLO PARK, CA 94025 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.53% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $325 | $118 | $443 | 0.65% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $7K | — | $7K | 15.00% |
| LEE SCHEUER3 | 3925 BOHANNON DR, STE 100 MENLO PARK, CA 94025 | USABLE LIFE | $7K | — | $7K | 14.14% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST, STE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $397 | — | $397 | 0.86% |
| LEE SCHEUER3 | 3925 BOHANNON DR, STE 100 MENLO PARK, CA 94025 | USABLE LIFE | $6K | — | $6K | 13.87% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 6.67% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST, STE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $483 | — | $483 | 1.13% |
| LEE SCHEUER3 | 3925 BOHANNON DR, STE 100 MENLO PARK, CA 94025 | USABLE LIFE | $4K | — | $4K | 13.95% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | — | $1K | 5.08% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST, STE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $290 | — | $290 | 1.05% |
| LEE SCHEUER3 | 3925 BOHANNON DR, STE 100 MENLO PARK, CA 94025 | USABLE LIFE | $4K | — | $4K | 13.85% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 7.62% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST, STE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $297 | — | $297 | 1.16% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $335 | — | $335 | 15.02% |
| LEE SCHEUER3 | 3925 BOHANNON DR, STE 100 MENLO PARK, CA 94025 | USABLE LIFE | $317 | — | $317 | 14.21% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST, STE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $17 | — | $17 | 0.76% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 250 | $863K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 420 | $69K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 250 | $863K |
| Life insurance(2 contracts) | USABLE LIFE | 130 | $74K |
| Short-term disability | USABLE LIFE | 130 | $43K |
| Long-term disability | USABLE LIFE | 130 | $26K |
| Other(2 contracts) | USABLE LIFE | 130 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.