| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL TROUT3 | 117 REGIONAL PARK DR KINGSPORT, TN 37660 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $47K | $0 | $47K | 3.31% |
| WILLIAM THOMAS3 Filed as: WILLIAM FISHER | 413 NORTHSHORE DR SW KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $26K | $0 | $26K | 1.81% |
| TROUT INSURANCE SERVICES INC3 | 4156 BRISTOL HWY, STE 4 JOHNSON CITY, TN 37601 | USABLE LIFE | $13K | $0 | $13K | 8.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON ST, STE 1200 CONSHOHOCKEN, PA 19428 | USABLE LIFE | $10K | $0 | $10K | 6.25% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $4K | $3K | $7K | 4.43% |
| THE BALDWIN GROUP WEST LLC3 Filed as: BALDWIN GROUP SOUTHEAST LLC | 4211 W BOY SCOUT BLVD, STE 900 TAMPA, FL 33607 | USABLE LIFE | $0 | $9 | $9 | 0.01% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 225 | $1.4M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 225 | $1.4M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 225 | $1.4M |
| Life insurance | USABLE LIFE | 133 | $154K |
| Short-term disability | USABLE LIFE | 133 | $154K |
| Long-term disability | USABLE LIFE | 133 | $154K |
| Other | USABLE LIFE | 133 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.