| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: THE CRICHTON GROUP | 3011 ARMORY DRIVE, SUITE 250 NASHVILLE, TN 37204 | DELTA DENTAL OF TENNESSEE | $2K | — | $2K | 10.00% |
| ANITA BLACKMER3 | THE CRICHTON GROUP 3011 ARMORY DRIVE, SUITE 250 NASHVILLE, TN 37204 | USABLE LIFE | $1K | — | $1K | 15.01% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE, 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $713 | $147 | $860 | 11.71% |
| AUSTIN MADISON3 Filed as: AUSTIN L. MADISON | 3011 ARMORY DRIVE, SUITE 250 NASHVILLE, TN 37204 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $512 | — | $512 | 9.99% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 48 | $23K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 95 | $5K |
| Life insurance | USABLE LIFE | 156 | $7K |
| Other | USABLE LIFE | 156 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.