| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BEN HOLLINGSWORTH3 | 9080 BARBEE LANE STE 102 KNOXVILLE, TN 37923 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $90K | $0 | $90K | 5.65% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $5K | $0 | $5K | 15.00% |
| JOHN HOLLINGSWORTH3 | 1217 RYAN PLACE KNOXVILLE, TN 37919 | USABLE LIFE | $4K | $0 | $4K | 12.56% |
| FARRELL & ASSOCIATES INC3 | 9080 BARBEE LANE SUITE 102 KNOXVILLE, TN 37923 | USABLE LIFE | $817 | $0 | $817 | 2.44% |
| JOHN HOLLINGSWORTH3 | 1217 RYAN PLACE KNOXVILLE, TN 37919 | USABLE LIFE | $3K | $0 | $3K | 8.41% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | $0 | $2K | 7.27% |
| FARRELL & ASSOCIATES INC3 | 9080 BARBEE LANE SUITE 102 KNOXVILLE, TN 37923 | USABLE LIFE | $532 | $0 | $532 | 1.59% |
| JOHN HOLLINGSWORTH3 | 1217 RYAN PLACE KNOXVILLE, TN 37919 | USABLE LIFE | $2K | $0 | $2K | 8.44% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | $0 | $1K | 7.25% |
| FARRELL & ASSOCIATES INC3 | 9080 BARBEE LANE SUITE 102 KNOXVILLE, TN 37923 | USABLE LIFE | $282 | $0 | $282 | 1.56% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $512 | $0 | $512 | 15.01% |
| JOHN HOLLINGSWORTH3 | 1217 RYAN PLACE KNOXVILLE, TN 37919 | USABLE LIFE | $423 | $0 | $423 | 12.40% |
| FARRELL & ASSOCIATES INC3 | 9080 BARBEE LANE SUITE 102 KNOXVILLE, TN 37923 | USABLE LIFE | $88 | $0 | $88 | 2.58% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 357 | $1.6M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 357 | $1.6M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 357 | $1.6M |
| Life insurance(2 contracts) | USABLE LIFE | 188 | $52K |
| Short-term disability | USABLE LIFE | 151 | $34K |
| Other(2 contracts) | USABLE LIFE | 188 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.