| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENNETT JARED3 | 480 NEAL STREET SUITE 101 COOKEVILLE, TN 38501 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $102K | — | $102K | 3.10% |
| MAPLECROSS WEALTH MANAGEMENT LLC3 | 3935 PLANTATION DR COOKEVILLE, TN 38506 | DELTA DENTAL OF TENNESSEE | $14K | — | $14K | 8.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $5K | — | $5K | 6.49% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $4K | — | $4K | 6.54% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $9K | — | $9K | 17.50% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY, INC | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $1K | — | $1K | 2.03% |
| MAPLECROSS WEALTH MANAGEMENT LLC3 | 480 NEAL STREET SUITE 101 COOKEVILLE, TN 38501 | USABLE LIFE | $8K | — | $8K | 20.49% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY, INC | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $5K | — | $5K | 12.95% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 5.91% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 7.68% |
| MAPLECROSS WEALTH MANAGEMENT LLC3 | 480 NEAL STREET SUITE 101 COOKEVILLE, TN 385014073 | VISION SERVICE PLAN | $1K | — | $1K | 3.74% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | VISION SERVICE PLAN | $258 | — | $258 | 0.81% |
| MAPLECROSS WEALTH MANAGEMENT LLC3 | 480 NEAL STREET SUITE 101 COOKEVILLE, TN 38501 | USABLE LIFE | $6K | — | $6K | 20.70% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY, INC | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $5K | — | $5K | 15.32% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $4K | — | $4K | 11.90% |
| MAPLECROSS WEALTH MANAGEMENT LLC3 | 480 NEAL STREET SUITE 101 COOKEVILLE, TN 38501 | USABLE LIFE | $5K | — | $5K | 20.73% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY, INC | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $4K | — | $4K | 15.20% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 6.04% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 17.50% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY, INC | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $193 | — | $193 | 2.06% |
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 | 289 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 613 | $3.3M |
| Dental | DELTA DENTAL OF TENNESSEE | 645 | $173K |
| Vision | VISION SERVICE PLAN | 262 | $32K |
| Life insurance(2 contracts) | USABLE LIFE | 289 | $108K |
| Short-term disability(3 contracts) | USABLE LIFE | 332 | $136K |
| Long-term disability | USABLE LIFE | 289 | $39K |
| Other(3 contracts) | USABLE LIFE | 206 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 645 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.