| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUSTPOINT BENE & COMP COMPLIANCE3 | 425 STATE STREET SUITE 307 BRISTOL, VA 24201 | USABLE LIFE | $5K | $318 | $5K | 10.70% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $4K | — | $4K | 7.68% |
| TRUSTPOINT BENE & COMP COMPLIANCE3 | 425 STATE STREET SUITE 307 BRISTOL, VA 24201 | USABLE LIFE | $4K | $293 | $5K | 10.69% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $4K | — | $4K | 8.57% |
| TRUSTPOINT BENE & COMP COMPLIANCE3 | 425 STATE STREET SUITE 307 BRISTOL, VA 24201 | USABLE LIFE | $3K | $344 | $3K | 11.15% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 7.71% |
| TRUSTPOINT BENE & COMP COMPLIANCE3 | 425 STATE STREET SUITE 307 BRISTOL, VA 24201 | USABLE LIFE | $3K | $294 | $4K | 16.33% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $4K | — | $4K | 16.00% |
| TRUSTPOINT BENE & COMP COMPLIANCE3 | 425 STATE STREET SUITE 307 BRISTOL, VA 24201 | USABLE LIFE | $358 | $38 | $396 | 16.62% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $381 | — | $381 | 15.99% |
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 | 318 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | USABLE LIFE | 318 | $52K |
| Short-term disability | USABLE LIFE | 309 | $46K |
| Long-term disability | USABLE LIFE | 309 | $42K |
| Other(2 contracts) | USABLE LIFE | 318 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.