| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY B WHITE | PO BOX 568 DICKSON, TN 37056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $23K | — | $23K | 5.64% |
| BENEFITS INC | PO BOX 568 DICKSON, TN 37056 | HUMANA | $13K | $5K | $18K | 6.99% |
| BENEFITS INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | PRINCIPAL LIFE INSURANCE COMPANY | $20K | $2K | $23K | 15.12% |
| GROUP INSURANCE SERVICES INC | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $87 | — | $87 | 6.32% |
| BEVERLY SPICER | 1216 NELSON RD DICKSON, TN 37055 | USABLE LIFE | $77 | — | $77 | 5.59% |
| BENJAMIN GOOLSBY | 110 EASTWOOD DR DICKSON, TN 37055 | USABLE LIFE | $46 | — | $46 | 3.34% |
| TIMOTHY WHITE | 1011 RIDGLEA DR BURNS, TN 37029 | USABLE LIFE | $25 | — | $25 | 1.82% |
| TAYLOR HUTCHESON | 1231 BREEDEN RD CHARLOTTE, TN 37036 | USABLE LIFE | $8 | — | $8 | 0.58% |
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 | 128 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 128 | $662K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 128 | $411K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 128 | $411K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 153 | $149K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 153 | $149K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 153 | $149K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 153 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
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.