| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHEILA GURIEN3 | 220 N MAIN STREET STE G-100 DYERSBURG, TN 38024 | BLUECROSS BLUESHIELD | $20K | — | $20K | 4.49% |
| LARRY WHITE3 Filed as: LARRY S. WHITE | 220 N MAIN STREET STE G-100 DYERSBURG, TN 38024 | BLUECROSS BLUESHIELD | $13K | — | $13K | 2.90% |
| AMY LADD3 | 220 N MAIN STREET G-100 DYERSBURG, TN 38024 | BLUECROSS BLUESHIELD | $2K | — | $2K | 0.37% |
| FREDERICK VANN3 | 3725 CHAMPION HILLS DRIVE STE 3300 MEMPHIS, TN 38125 | BLUECROSS BLUESHIELD | $127 | — | $127 | 0.03% |
| WHITE & ASSOCIATES3 | 220 N MAIN STREET DYERSBURG, TN 38024 | USABLE LIFE - AD&D | $4K | — | $4K | 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 DYERSBURG, TN 38024 | USABLE LIFE - VOLUNTARY INCOME PROTECTION | $2K | — | $2K | 15.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE - VOLUNTARY INCOME PROTECTION | $2K | — | $2K | 13.00% |
| WHITE & ASSOCIATES3 | 220 N MAIN STREET, STE G-100 DYERSBURG, TN 38024 | USABLE LIFE - VOLUNTARY GROUP TERM LIFE | $2K | — | $2K | 15.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE - VOLUNTARY GROUP TERM LIFE | $1K | — | $1K | 13.00% |
| WHITE & ASSOCIATES3 | 220 N MAIN STREET, STE G-100 DYERSBURG, TN 38024 | USABLE LIFE - VOLUNTARY AD&D | $205 | — | $205 | 14.99% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE - VOLUNTARY AD&D | $178 | — | $178 | 13.01% |
| AMY LADD3 | 220 N MAIN ST. G-100 DYERSBURG, TN 38024 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | — | $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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD | 106 | $450K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 178 | $0 |
| Vision | BLUECROSS BLUESHIELD | 106 | $450K |
| Life insurance | USABLE LIFE - VOLUNTARY GROUP TERM LIFE | 25 | $11K |
| Short-term disability(2 contracts, 2 carriers) | USABLE LIFE - AD&D | 131 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.