| 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 | 6.45% |
| WHITE & ASSOCIATES3 | 220 N MAIN STREET, STE G-100 DYERSBURG, TN 38024 | USABLE LIFE - AD&D | $3K | — | $3K | 12.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE - AD&D | $3K | — | $3K | 10.00% |
| WHITE & ASSOCIATES3 | 220 N MAIN STREET, STE G-100 DYERSBURG, TN 38024 | USABLE LIFE - VOLUNTARY GROUP TERM LIFE | $2K | $196 | $2K | 16.57% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE - VOLUNTARY GROUP TERM LIFE | $2K | — | $2K | 13.00% |
| WHITE & ASSOCIATES3 | 220 N MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | USABLE LIFE - CANCER | $435 | — | $435 | 5.57% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE - CANCER | $328 | — | $328 | 4.20% |
| WHITE & ASSOCIATES3 | 220 N MAIN STREET DYERSBURG, TN 38024 | USABLE LIFE - ACCIDENT | $413 | — | $413 | 5.42% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE - 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE - ACCIDENT | $336 | — | $336 | 4.41% |
| WHITE & ASSOCIATES3 | 220 N MAIN STREET, STE G-100 DYERSBURG, TN 38024 | USABLE LIFE - VOLUNTARY AD&D | $271 | $28 | $299 | 16.54% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE - VOLUNTARY AD&D | $235 | — | $235 | 13.00% |
| WHITE & ASSOCIATES3 | 220 N MAIN STREET, STE G-100 DYERSBURG, TN 38024 | USABLE LIFE - CRITICAL CARE | $79 | — | $79 | 6.03% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE - 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE - CRITICAL CARE | $57 | — | $57 | 4.35% |
| WHITE & ASSOCIATES3 | 220 N MAIN STREET, STE G-100 DYERSBURG, TN 38024 | USABLE LIFE - HIP | $30 | — | $30 | 4.98% |
| GROPU INSURANCE SERVICES, INC.3 | 1 CAMERON HILL CIRCLE - 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE - HIP | $24 | — | $24 | 3.98% |
| WHITE & ASSOCIATES3 | 220 N MAIN STREET, STE G-100 DYERSBURG, TN 38024 | USABLE LIFE - TERM LIFE | $4 | — | $4 | 133.33% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE - 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE - TERM LIFE | $3 | — | $3 | 100.00% |
| AMY LADD3 | 220 N MAIN ST. G-100 DYERSBURG, TN 38024 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $369 | — | $369 | — |
| WHITE & ASSOCIATES3 | 220 N MAIN STREET DYERSBURG, TN 38024 | USABLE LIFE - VOLUNTARY INCOME PROTECTION | — | — | $0 | — |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE - VOLUNTARY INCOME PROTECTION | — | — | $0 | — |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD | 112 | $468K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 118 | $0 |
| Vision | BLUECROSS BLUESHIELD | 112 | $468K |
| Life insurance(3 contracts, 3 carriers) | USABLE LIFE - AD&D | 135 | $40K |
| Short-term disability(3 contracts, 3 carriers) | USABLE LIFE - AD&D | 135 | $36K |
| Other(3 contracts, 3 carriers) | USABLE LIFE - CANCER | 13 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.