| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | 6216 HIGHLAND PLACE WAY, STE 102 KNOXVILLE, TN 37919 | DELTA DENTAL OF TENNESSEE | $4K | — | $4K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST, STE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $7K | $2K | $9K | 20.01% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 4.81% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST, STE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $5K | $2K | $7K | 20.26% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 4.81% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST, STE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $5K | $2K | $7K | 20.57% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $5K | — | $5K | 15.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST, STE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $4K | $1K | $5K | 20.05% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 6.48% |
| COLE HARRIS3 | 9648 KINGSTON PARKWAY SUITE 8 KNOXVILLE, TN 37922 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $2K | — | $2K | 10.91% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST, STE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $831 | $343 | $1K | 21.19% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $831 | — | $831 | 15.00% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 341 | $82K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 258 | $17K |
| Life insurance(2 contracts) | USABLE LIFE | 191 | $72K |
| Short-term disability | USABLE LIFE | 191 | $44K |
| Long-term disability | USABLE LIFE | 191 | $26K |
| Other(2 contracts) | USABLE LIFE | 191 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.