| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN FRISCH3 | 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 | BLUECROSS BLUESHIELD OF TENNESEE, INC. | $56K | — | $56K | 5.63% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $4K | — | $4K | 13.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $3K | — | $3K | 11.24% |
| MCGRIFF INSURANCE SERVICES INC3 | 250 W FIRST STATE WINSTON SALEM, NC 27101 | USABLE LIFE | $1K | $523 | $2K | 5.63% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $2K | — | $2K | 11.10% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRLCE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 8.26% |
| MCGRIFF INSURANCE SERVICES INC3 | 250 W FIRST STATE SUITE 100 WINSTON SALEM, NC 27101 | USABLE LIFE | $810 | $352 | $1K | 5.60% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $2K | — | $2K | 11.09% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 9.57% |
| MCGRIFF INSURANCE SERVICES INC3 | 250 W FIRST STATE SUITE 100 WINSTON SALEM, NC 27101 | USABLE LIFE | $711 | $309 | $1K | 5.61% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $864 | — | $864 | 11.03% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $651 | — | $651 | 8.31% |
| MCGRIFF INSURANCE SERVICES INC3 | 250 W FIRST STATE SUITE 100 WINSTON SALEM, NC 27101 | USABLE LIFE | $310 | $133 | $443 | 5.66% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $585 | — | $585 | 10.42% |
| MCGRIFF INSURANCE SERVICES INC3 | 250 W FIRST STATE SUITE 100 WINSTON SALEM, NC 27101 | USABLE LIFE | $211 | $170 | $381 | 6.79% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $246 | — | $246 | 4.38% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $523 | — | $523 | 13.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $449 | — | $449 | 11.16% |
| MCGRIFF INSURANCE SERVICES INC3 | 250 W FIRST STATE SUITE 100 WINSTON SALEM, NC 27101 | USABLE LIFE | $155 | $76 | $231 | 5.74% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $327 | — | $327 | 11.76% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $222 | — | $222 | 7.99% |
| MCGRIFF INSURANCE SERVICES INC3 | 250 W FIRST STATE SUITE 100 WINSTON SALEM, NC 27101 | USABLE LIFE | $131 | $89 | $220 | 7.91% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESEE, INC. | 309 | $995K |
| Dental | BLUECROSS BLUESHIELD OF TENNESEE, INC. | 309 | $995K |
| Vision | BLUECROSS BLUESHIELD OF TENNESEE, INC. | 309 | $995K |
| Life insurance(2 contracts) | USABLE LIFE | 137 | $36K |
| Short-term disability | USABLE LIFE | 123 | $21K |
| Long-term disability | USABLE LIFE | 123 | $18K |
| Other(5 contracts) | USABLE LIFE | 137 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.