| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LESLIE E SMITH3 | 1973 OAK TREE COVE HERNANDO, MS 38632 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $45K | — | $45K | 5.87% |
| CAROLE GADD3 | 7200 GOODLETT FARMS PARKWAY CORDOVA, TN 38016 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $481 | — | $481 | 0.06% |
| LS & ASSOCIATES INS CONSULTANTS INC3 Filed as: LS AND ASSOCIATES INSURANCE COMPANY | 1973 OAK TREE COVE HERNANDO, MS 38632 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $18K | — | $18K | 10.05% |
| MARK BAILEY3 | 379 LOWER MILLIGAN SPRINGS ROAD WINONA, MS 38967 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $9K | — | $9K | 4.83% |
| LESLIE SMITH3 | 1290 MAIN STREET SOUTHAVEN, MS 38671 | USABLE LIFE | $644 | — | $644 | 14.99% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $501 | $86 | $587 | 13.67% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 271 | $938K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 271 | $761K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 271 | $761K |
| Life insurance | USABLE LIFE | 131 | $4K |
| Other | USABLE LIFE | 131 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.