| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS MARTIN3 Filed as: THOMAS E. MARTIN, JR. | 4205 HILLSBORO PIKE, SUITE 120 NASHVILLE, TN 37215 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $100K | $0 | $100K | 4.81% |
| KENNETH PAYLOR3 | 5100 POPLAR AVENUE, SUITE 1200 MEMPHIS, TN 38137 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $16K | $0 | $16K | 0.77% |
| THOMAS MARTIN3 Filed as: THOMAS E. MARTIN, JR. | 4205 HILLSBORO PIKE, SUITE 120 NASHVILLE, TN 37215 | USABLE LIFE | $4K | $0 | $4K | 15.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE, SUITE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $918 | $508 | $1K | 5.61% |
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 | 505 | 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) | 505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 537 | $2.1M |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 537 | $2.1M |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 537 | $2.1M |
| Life insurance | USABLE LIFE | 505 | $25K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 537 | $2.1M |
| Other | USABLE LIFE | 505 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 537 | — |
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.