| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUBERT MOORE3 | 211 ATHENS WAY, SUITE 200 NASHVILLE, TN 37228 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $46K | — | $46K | 19.77% |
| HUBERT MOORE3 | 211 ATHENS WAY, SUITE 200 NASHVILLE, TN 37228 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $6K | — | $6K | 6.76% |
| FINANCIAL PRODUCTS AND SERVICE3 Filed as: FINANCIAL PRODUCTS & SERVICES | 211 ATHENS WAY, SUITE 200 NASHVILLE, TN 37228 | USABLE LIFE | $1K | — | $1K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | USABLE LIFE | $722 | $155 | $877 | 11.31% |
| HUBERT MOORE3 | 211 ATHENS WAY, SUITE 200 NASHVILLE, TN 37228 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $35K | — | $35K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE EIN 62-0427913 N/A | Contract Administrator Service code 13 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | $104K |
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 | 168 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 210 | $235K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 259 | $90K |
| Other | USABLE LIFE | 174 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.