| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN FRISCH3 | 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 | BLUECROSS BLUESHIELD OF TENNESEE, INC. | $52K | — | $52K | 6.10% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $4K | $316 | $4K | 16.35% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 13.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $3K | $200 | $3K | 16.04% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRLCE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 9.09% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $3K | $176 | $3K | 16.04% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 11.46% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $1K | $78 | $1K | 16.06% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $668 | — | $668 | 9.07% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $301 | $12 | $313 | 8.28% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $170 | — | $170 | 4.50% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $564 | $57 | $621 | 16.52% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $489 | — | $489 | 13.01% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $141 | — | $141 | 7.37% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $94 | — | $94 | 4.91% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESEE, INC. | 314 | $845K |
| Dental | BLUECROSS BLUESHIELD OF TENNESEE, INC. | 314 | $845K |
| Vision | BLUECROSS BLUESHIELD OF TENNESEE, INC. | 314 | $845K |
| Life insurance(2 contracts) | USABLE LIFE | 122 | $31K |
| Short-term disability | USABLE LIFE | 120 | $19K |
| Long-term disability | USABLE LIFE | 120 | $17K |
| Other(5 contracts) | USABLE LIFE | 122 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.