| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JERRY STEPHENS3 | 1176 N KENTUCKY ST SUITE A KINGSTON, TN 37763 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $92K | — | $92K | 1.55% |
| AGA INSURANCE INC3 Filed as: AGA INSURANCE INC. | 1176A N KENTUCKY STREET KINGSTON, TN 37763 | SYMETRA LLIFE INSURANCE COMPANY | $32K | — | $32K | 9.31% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LLIFE INSURANCE COMPANY | — | $15K | $15K | 4.42% |
| AGA INSURANCE INC3 | 1176 N KENTUCKY STREET SUITE A KINGSTON, TN 37763 | USABLE LIFE | $17K | — | $17K | 11.64% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE - 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $14K | — | $14K | 9.40% |
| AGA INSURANCE INC3 Filed as: AGA INSURANCE INC. | 1176A NORTH KENTUCKY ST STE A KINGSTON, TN 37763 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 22.00% |
| AGA INSURANCE INC3 | 1176A N KENTUCKY ST STE A KINGSTON, TN 37763 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 16.00% |
| AGA INSURANCE INC3 | 1176A N KENTUCKY ST STE A KINGSTON, TN 37763 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 16.00% |
| AGA INSURANCE INC3 | 1176A N KENTICKY ST STE A KINGSTON, TN 37763 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 16.00% |
| AGA INSURANCE INC3 Filed as: AGA INSURANCE INC. | 1176A N KENTUCKY ST STE A KINGSTON, TN 37763 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 16.01% |
| AGA INSURANCE INC3 | 1176 N KENTUCKY ST SUITE A KINGSTON, TN 37763 | USABLE LIFE | $389 | — | $389 | 6.48% |
| GROUP INSURANCE SERVICES INC3 | ATTN KAREN HARRIS 1 CAMERON HILL CIRCLE -2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $146 | — | $146 | 2.43% |
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 | 1,059 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,059 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 629 | $6.0M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 629 | $6.0M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 629 | $6.0M |
| Life insurance(4 contracts, 2 carriers) | USABLE LIFE | 1,059 | $221K |
| Short-term disability(2 contracts, 2 carriers) | USABLE LIFE | 1,059 | $152K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 166 | $100K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 629 | $6.0M |
| Other(5 contracts, 3 carriers) | SYMETRA LLIFE INSURANCE COMPANY | 1,059 | $584K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,059 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.