| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS. SERVICES | 11440 TOMAHAWK CREEK PARKWAY LEAWOOD, KS 66211 | DELTA DENTAL OF TENNESSEE | $12K | — | $12K | 1.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS. SERVICES | 11440 TOMAHAWK CREEK PARKWAY LEAWOOD, KS 66211 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $48K | — | $48K | 4.59% |
| VOL EMP. BENEFIT ADVISORS USA, LLC3 | 3100 WEST END AVENUE NASHVILLE, TN 37203 | USABLE LIFE | $115K | — | $115K | 20.43% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE, SUITE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $64K | — | $64K | 11.31% |
| ALT CARE3 Filed as: ALT SOLUTIONS OF TENNESSEE, INC. | — | USABLE LIFE | $58K | — | $58K | 10.20% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS. SERVICES | 700 WEST 47TH STREET, SUITE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $58K | — | $58K | 10.20% |
| VO. EMP. BENEFIT ADVISORS USA, LLC3 | 3100 WEST END, SUITE 905 NASHVILLE, TN 37203 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $9K | — | $9K | 3.94% |
| ALT CARE3 Filed as: ALT. SOLUTIONS OF TENNESSEE, INC. | 2505 DEVON VALLEY DRIVE NASHVILLE, TN 37221 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $4K | — | $4K | 1.97% |
| FREDERICK R SCHREMP3 Filed as: FREDERICK SCHREMP | 3625 CUMBERLAND BOULEVARD SE SUITE 800 ATLANTA, GA 30339 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $4K | — | $4K | 1.97% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFIT AND INS. SERVICES | PO BOX 632886 CINCINNATI, OH 45263 | EYEMED VISION CARE | $8K | — | $8K | 3.67% |
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 | 3,165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF TENNESSEE | 4,298 | $1.4M |
| Vision(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 4,059 | $433K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,524 | $1.6M |
| Short-term disability | USABLE LIFE | 1,422 | $565K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,524 | $1.0M |
| Other(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 15,123 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,123 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.