| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARL GREEAR3 | 425 STATE STREET SUITE 307 BRISTOL, VA 24201 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $55K | $55K | 3.33% |
| TRUSTPOINT BENEFITS & COMPENSATION3 Filed as: TRUSTPOINT BFTS & COMP COMPLIANCE | 16 E CHURCH AVE ROANOKE, VA 24011 | USABLE LIFE | $18K | — | $18K | 10.98% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $13K | — | $13K | 8.33% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 288 | $1.7M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 288 | $1.7M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 288 | $1.7M |
| Life insurance | USABLE LIFE | 229 | $161K |
| Short-term disability | USABLE LIFE | 229 | $161K |
| Long-term disability | USABLE LIFE | 229 | $161K |
| Other | USABLE LIFE | 229 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.