| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY WHITE3 Filed as: LARRY S. WHITE | 220 N MAIN STREET STE G-100 DYERSBURG, TN 38024 | BLUECROSS BLUESHIELD | $30K | — | $30K | 6.25% |
| WHITE & ASSOCIATES | 220 N MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | USABLE LIFE | $9K | — | $9K | 13.68% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $8K | — | $8K | 11.68% |
| YOUR BENEFITS AGENCY INC Filed as: YOUR BENEFITS AGENCY, INC. | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | — | — | $0 | 0.00% |
| WHITE & ASSOCIATES3 | 220 N MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | USABLE LIFE | $2K | — | $2K | 7.44% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE - 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 7.05% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFITS AGENCY, INC. | 17500 CHENAL PARKWAY SUITE 150 LITTLE ROCK, AR 72223 | USABLE LIFE | $663 | — | $663 | 2.16% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | USABLE LIFE | 77 | $31K |
| Dental | BLUECROSS BLUESHIELD | 125 | $475K |
| Life insurance(2 contracts) | USABLE LIFE | 139 | $96K |
| Short-term disability | USABLE LIFE | 77 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
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.