| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R. C. WILLIAMS3 | P.O. BOX 43972 BIRMINGHAM, AL 35243 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $38K | — | $38K | 5.53% |
| JENNIFER BAILEY3 | 1900 16TH STREET, SUITE 1000 DENVER, CO 80202 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $6K | — | $6K | 0.83% |
| VARIOUS - SEE ATTACHED3 | C/O AFLAC 1932 WYNTON ROAD COLUMBUS, GA 31999 | AFLAC | $85K | $9K | $94K | 37.53% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | USABLE LIFE | $613 | $118 | $731 | 12.38% |
| RANDALL WILLIAMS3 | 3348 FARING ROAD MOUNTAIN BROOK, AL 35223 | USABLE LIFE | $666 | — | $666 | 11.28% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1900 16TH STREET, SUITE 1000 DENVER, CO 80202 | USABLE LIFE | $220 | — | $220 | 3.73% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 272 | $691K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 272 | $691K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 272 | $691K |
| Life insurance | USABLE LIFE | 177 | $6K |
| Short-term disability | AFLAC | 316 | $249K |
| Other(2 contracts, 2 carriers) | AFLAC | 316 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.
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.