| 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 | $37K | — | $37K | 7.34% |
| AMY LADD3 Filed as: AMY SERATT | 220 N MAIN STREET STE G-100 DYERSBURG, TN 38024 | BLUECROSS BLUESHIELD | $2K | — | $2K | 0.31% |
| WHITE & ASSOCIATES | 220 N MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | USABLE LIFE | $8K | — | $8K | 13.63% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $7K | — | $7K | 11.62% |
| 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 | 6.33% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE - 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | — | $1K | 4.54% |
| HARRY STANSBURY3 | 57 BAILEY WOODS LANE 202 COLLIERVILLE, TN 38017 | USABLE LIFE | $319 | — | $319 | 1.10% |
| ANTON FRENCH3 | 1007 TOWER HILL LANE HENDERSONVILLE, TN 37075 | USABLE LIFE | $112 | — | $112 | 0.39% |
| RANDALL PATE3 | 1020 JONES HOLLOW LANE ERIN, TN 37061 | USABLE LIFE | $94 | — | $94 | 0.33% |
| ANDREW SCOTT3 | 603 STIRRUP CT. MOUNT JULIET, TN 37122 | USABLE LIFE | $50 | — | $50 | 0.17% |
| JOHN HOUSTON3 | 8547 CONSTANCE WAY KNOXVILLE, TN 37923 | USABLE LIFE | $42 | — | $42 | 0.15% |
| STEVEN WREN3 | 1343 LIBERTY ROAD CHARLOTTE, TN 37036 | USABLE LIFE | $31 | — | $31 | 0.11% |
| JOEY SWALLOWS3 | 420 WILCOX ROAD CHATTANOOGA, TN 37419 | USABLE LIFE | $28 | — | $28 | 0.10% |
| CARL MCMASTER3 | 4494 DEAN ROAD CHAPEL HILL, TN 37034 | USABLE LIFE | $27 | — | $27 | 0.09% |
| CORY CALL3 | 14064 MOUNT PLEASANT ROAD ROCKVALE, TN 37153 | USABLE LIFE | $25 | — | $25 | 0.09% |
| ANDREW MEADOWS3 | 1071 ASHMORE DRIVE NASHVILLE, TN 37211 | USABLE LIFE | $19 | — | $19 | 0.07% |
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 | 56 | $29K |
| Dental | BLUECROSS BLUESHIELD | 126 | $506K |
| Life insurance(2 contracts) | USABLE LIFE | 143 | $90K |
| Short-term disability | USABLE LIFE | 56 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.