| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUCE EDENS3 | 2504B CRESCENT MOON LN SW SNELLVILLE, GA 30078 | BLUECROSS BLUESHIELD OF TENNESSEE | $77K | — | $77K | 1.83% |
| STANLEY BRUCE EDENS3 Filed as: STANLEY EDENS | 2504B CRESCENT MOON LN SNELLVILLE, GA 30078 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 10.11% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | $225 | $2K | 13.77% |
| STANLEY BRUCE EDENS3 | 2504B CRESCENT MOON LANE SW SNELLVILLE, GA 30078 | USABLE LIFE | $1K | — | $1K | 10.00% |
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 | 656 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 656 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE | 950 | $4.2M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE | 950 | $4.2M |
| Vision | EYEMED VISION CARE | 810 | $36K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 973 | $216K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 973 | $205K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 973 | $205K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE | 950 | $4.2M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 973 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 973 | — |
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.