| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HANES TORBETT3 | 268 CHRISTIAN CHURCH RD STE 2 JOHNSON CITY, TN 37615 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $36K | — | $36K | 6.16% |
| CORPORATE INSURANCE GROUP3 Filed as: CORPORATE INSURANCE GROUP0 | 268 CHRISTAN CHURCH RD STE 2 JOHNSON CITY, TN 376154484 | UNITED HEALTHCARE INSURANCE COMPANY | — | $8K | $8K | 3.93% |
| INSGROUP INC3 Filed as: CORPORATE INSURANCE GROUP OF E TENN | 268 CHRISTIAN RD STE 2 JOHNSON CITY, TN 37615 | USABLE LIFE | $8K | $1K | $9K | 18.10% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $7K | — | $7K | 13.30% |
| B3 ENROLLMENT SERVICES, LLC3 Filed as: BE ENROLLMENT SERVICES LLC | 211 GREENWICH RD CHARLOTTE, NC 282112315 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 28.97% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 115 | $821K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 115 | $586K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 115 | $586K |
| Other | USABLE LIFE | 28 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.