| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A LEVY3 Filed as: ROBERT LEVY | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $44K | — | $44K | 6.04% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | SYMETRA FINANCIAL | $2K | $185 | $2K | 10.95% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA FINANCIAL | $587 | $766 | $1K | 6.91% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | USABLE LIFE | $2K | — | $2K | 18.67% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $617 | — | $617 | 5.49% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | USABLE LIFE | $957 | — | $957 | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $829 | — | $829 | 13.00% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | USABLE LIFE | $419 | — | $419 | 16.14% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $217 | — | $217 | 8.36% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | USABLE LIFE | $251 | — | $251 | 14.99% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $218 | — | $218 | 13.02% |
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 | 239 | 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) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 221 | $722K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 221 | $722K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 221 | $722K |
| Life insurance | USABLE LIFE | 41 | $6K |
| Other(5 contracts, 2 carriers) | SYMETRA FINANCIAL | 68 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.