| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GUY MORRISON3 | 5555 GLENRIDGE CONNECTOR STE 600 ATLANTA, GA 30342 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $117K | $0 | $117K | 3.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON ST STE 1200 CONSHOHOCKEN, PA 19428 | USABLE LIFE | $38K | $4K | $42K | 16.36% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $21K | $0 | $21K | 8.15% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 744831 ATLANTA, GA 30374 | DELTA DENTAL OF TENNESSEE | $6K | $0 | $6K | 4.93% |
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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 391 | $3.1M |
| Dental | DELTA DENTAL OF TENNESSEE | 448 | $124K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 391 | $3.1M |
| Life insurance | USABLE LIFE | 295 | $254K |
| Short-term disability | USABLE LIFE | 295 | $254K |
| Long-term disability | USABLE LIFE | 295 | $254K |
| Other | USABLE LIFE | 295 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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.