| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH PRESTON FRANCIS3 Filed as: JOSEPH P FRANCIS | 1020 HIGHLAND COLONY PKWY SUITE 302 RIDGELAND, MS 391572149 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $36K | $36K | 6.53% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 34.43% |
| SUSAN R RAPER3 Filed as: SUSAN R. RAPER | 143B WILLOWBROOK DRIVE SALTILLO, MS 38866 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 15.14% |
| KRISTI H BUSKIRK3 Filed as: KRISTI H. BUSKIRK | 721 W. JEFFERSON ST. TUPELO, MS 38804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 12.55% |
| CHRISTY W FISHER3 Filed as: CHRISTY W. FISHER | 124 CR 2768 BALDWYN, MS 38824 | CONTINENTAL AMERICAN INSURANCE COMPANY | $993 | — | $993 | 3.05% |
| JOHN R BRASEL3 Filed as: JOHN R. BRASEL | 1105 W. JACKSON TUPELO, MS 38804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $842 | — | $842 | 2.59% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 13.82% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $2K | — | $2K | 9.48% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $801 | — | $801 | 4.34% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 13.72% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $1K | — | $1K | 9.46% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $661 | — | $661 | 4.25% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $746 | — | $746 | 9.33% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $718 | — | $718 | 8.98% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $364 | — | $364 | 4.55% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $168 | — | $168 | 13.78% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | USABLE LIFE | $115 | — | $115 | 9.43% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 3605 GLENWOOD AVE. RALEIGH, NC 27612 | USABLE LIFE | $53 | — | $53 | 4.35% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 149 | $556K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 149 | $556K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 149 | $556K |
| Life insurance(2 contracts) | USABLE LIFE | 128 | $24K |
| Short-term disability | USABLE LIFE | 78 | $18K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 128 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.