| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENRY VALENTINE LINDEMAN II3 Filed as: HENRY LINDEMAN | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $51K | — | $51K | 3.70% |
| JAMES D. COLLIER & COMPANY Filed as: JAMES D COLLIER & COMPANY | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | USABLE LIFE | $6K | — | $6K | 10.86% |
| GROUP INSURANCE SERVICES INC | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 3.55% |
| JAMES D. COLLIER & COMPANY Filed as: JAMES D COLLIER & COMPANY | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | USABLE LIFE | $11K | — | $11K | 19.00% |
| GROUP INSURANCE SERVICES INC Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $4K | — | $4K | 7.06% |
| GROUP INSURANCE SERVICES INC | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $4K | — | $4K | 15.00% |
| JAMES D. COLLIER & COMPANY Filed as: JAMES D COLLIER & COMPANY | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | USABLE LIFE | $4K | — | $4K | 15.00% |
| JAMES D. COLLIER & COMPANY Filed as: JAMES D COLLIER & COMPANY | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | USABLE LIFE | $1K | — | $1K | 19.01% |
| GROUP INSURANCE SERVICES INC | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $381 | — | $381 | 7.05% |
| GROUP INSURANCE SERVICES INC Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $463 | — | $463 | 15.01% |
| JAMES D. COLLIER & COMPANY Filed as: JAMES D COLLIER & COMPANY | 606 S MENDENHALL SUITE 200 MEMPHIS, TN 38117 | USABLE LIFE | $463 | — | $463 | 15.01% |
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 | 279 | 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) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 279 | $1.4M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 279 | $1.4M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 279 | $1.4M |
| Life insurance | USABLE LIFE | 220 | $5K |
| Short-term disability | USABLE LIFE | 199 | $56K |
| Long-term disability | USABLE LIFE | 199 | $59K |
| Other(2 contracts) | USABLE LIFE | 177 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.