| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDERICK VANN3 | 3725 CHAMPION HILLS DRIVE STE 3300 MEMPHIS, TN 38125 | BLUECROSS BLUESHIELD | $37K | — | $37K | 100.00% |
| STREAMLINE ENTERPRISES LLC Filed as: STREAMLINE ENTERPRISES, LLC | 3725 CHAMPION HILLS DRIVE STE 3300 MEMPHIS, TN 38125 | 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 | $662 | — | $662 | 3.00% |
| STREAMLINE ENTERPRISES LLC Filed as: STREAMLINE ENTERPRISES, LLC | 3725 CHAPMION HILLS DRIVE STE 3300 MEMPHIS, TN 38125 | 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% |
| STREAMLINE ENTERPRISES LLC Filed as: STREAMLINE ENTERPRISES, LLC | 3725 CHAMPION HILLS DRIVE STE3300 MEMPHIS, TN 38125 | USABLE LIFE - VOLUNTARY GROUP TERM LIFE | $665 | — | $665 | 14.99% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE - VOLUNTARY GROUP TERM LIFE | $577 | — | $577 | 13.01% |
| STREAMLINE ENTERPRISES LLC Filed as: STREAMLINE ENTERPRISES, LLC | 3725 CHAMPION HILLS DRIVE STE 3300 MEMPHIS, TN 38125 | USABLE LIFE - VOLUNTARY AD&D | $174 | — | $174 | 14.97% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE - VOLUNTARY AD&D | $151 | — | $151 | 12.99% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD | 98 | $37K |
| Vision | BLUECROSS BLUESHIELD | 98 | $37K |
| Life insurance | USABLE LIFE - VOLUNTARY GROUP TERM LIFE | 25 | $4K |
| Short-term disability(2 contracts, 2 carriers) | USABLE LIFE - AD&D | 132 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.