| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENRY VALENTINE LINDEMAN II3 Filed as: HENRY LINDEMAN | 606 S MENDENHALL ROAD SUITE 200 MEMPHIS, TN 38117 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $32K | $0 | $32K | 2.23% |
| CLAY & LAND COMPANIES3 Filed as: CLAY AND LAND INSURANCE, INC. | PO BOX 171356 MEMPHIS, TN 38187 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $19K | $0 | $19K | 1.36% |
| WENDELL DYSON3 | PO BOX 171356 MEMPHIS, TN 38187 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $3K | $0 | $3K | 0.22% |
| JAMES D. COLLIER & COMPANY Filed as: JAMES D COLLIER & COMPANY | 606 S MENDENHALL ROAD SUITE 200 MEMPHIS, TN 38117 | USABLE LIFE | $7K | — | $7K | 12.95% |
| CLAY & LAND COMPANIES Filed as: CLAY AND LAND COMPANIES | 866 RIDGEWAY LOOP SUITE102 MEMPHIS, TN 38120 | USABLE LIFE | $3K | — | $3K | 6.05% |
| GROUP INSURANCE SERVICES INC Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 3.57% |
| GROUP INSURANCE SERVICES INC Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 15.00% |
| JAMES D. COLLIER & COMPANY Filed as: JAMES D COLLIER & COMPANY | 606 S MENDENHALL ROAD SUITE 200 MEMPHIS, TN 38117 | USABLE LIFE | $2K | — | $2K | 10.21% |
| CLAY & LAND COMPANIES | 866 RIDGEWAY LOOP SUITE 102 MEMPHIS, TN 38120 | USABLE LIFE | $1K | — | $1K | 4.79% |
| JAMES D. COLLIER & COMPANY Filed as: JAMES D COLLIER & COMPANY | 606 S MENDENHALL ROAD SUITE 200 MEMPHIS, TN 38117 | USABLE LIFE | $799 | — | $799 | 12.88% |
| GROUP INSURANCE SERVICES INC Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $434 | — | $434 | 6.99% |
| CLAY & LAND COMPANIES Filed as: CLAY AND LAND COMPANIES | 866 RIDGEWAY LOOP SUITE 102 MEMPHIS, TN 38120 | USABLE LIFE | $38 | $0 | $38 | 0.61% |
| JAMES D. COLLIER & COMPANY Filed as: JAMES D COLLIER & COMPANY | 606 S MENDENHALL ROAD SUITE 200 MEMPHIS, TN 38117 | USABLE LIFE | $8K | — | $8K | 129.60% |
| GROUP INSURANCE SERVICES INC Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $4K | — | $4K | 69.96% |
| CLAY & LAND COMPANIES Filed as: CLAY AND LAND COMPANIES | 866 RIDGEWAY LOOP SUITE 102 MEMPHIS, TN 38120 | USABLE LIFE | $4K | — | $4K | 60.42% |
| GROUP INSURANCE SERVICES INC Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $349 | — | $349 | 15.00% |
| JAMES D. COLLIER & COMPANY Filed as: JAMES D COLLIER & COMPANY | 606 S MENDENHALL ROAD SUITE 200 MEMPHIS, TN 38117 | USABLE LIFE | $240 | — | $240 | 10.31% |
| CLAY & LAND COMPANIES Filed as: CLAY AND LAND COMPANIES | 866 RIDGEWAY LOOP SUITE 200 MEMPHIS, TN 38120 | USABLE LIFE | $109 | — | $109 | 4.68% |
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 | 326 | 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) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 326 | $1.4M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 326 | $1.4M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 326 | $1.4M |
| Life insurance | USABLE LIFE | 239 | $6K |
| Short-term disability | USABLE LIFE | 217 | $6K |
| Long-term disability | USABLE LIFE | 216 | $57K |
| Other(2 contracts) | USABLE LIFE | 133 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.