| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW FONES3 Filed as: MATTHEW H. FONES | 2002 RICHARD JONES ROAD, SUITE A306 NASHVILLE, TN 37215 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $55K | — | $55K | 3.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 8TH FLOOR ITASCA, IL 60143 | USABLE LIFE | $30K | — | $30K | 13.18% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $26K | — | $26K | 11.62% |
| MATTHEW FONES3 | 2002 RICHARD JONES ROAD, SUITE A306 NASHVILLE, TN 37215 | USABLE LIFE | $15K | — | $15K | 6.82% |
| MATTHEW FONES3 Filed as: MATTHEW H. FONES | 2002 RICHARD JONES ROAD, SUITE A306 NASHVILLE, TN 37215 | HEALTH ALLIANCE MEDICAL PLANS | $8K | — | $8K | 5.63% |
| MATTHEW HUDSON FONES3 | 2002 RICHARD JONES ROAD, SUITE A306 NASHVILLE, TN 37215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $769 | $7K | 15.14% |
| THOMAS CHRISTOPHER SMITH3 | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.81% |
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 | 284 | 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) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 454 | $1.7M |
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 454 | $1.6M |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 454 | $1.6M |
| Life insurance | USABLE LIFE | 284 | $226K |
| Short-term disability | USABLE LIFE | 284 | $226K |
| Long-term disability | USABLE LIFE | 284 | $226K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 454 | $1.7M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 284 | $275K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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.