| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN FRISCH3 | 999 SOUTH SHADY GROVE ROAD SUITE 200 MEMPHIS, TN 38120 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $36K | — | $36K | 3.39% |
| WENDELL DYSON3 | 866 RIDGEWAY LOOP ROAD #200 MEMPHIS, TN 38120 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $24K | — | $24K | 2.24% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $5K | $2K | $7K | 11.92% |
| CLAY & LAND COMPANIES3 | 866 RIDGEWAY LOOP SUITE 102 MEMPHIS, TN 38120 | USABLE LIFE | $4K | — | $4K | 6.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOXX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $3K | $911 | $4K | 11.78% |
| CLAY & LAND COMPANIES3 | 866 RIDGEWAY LOOP SUITE 102 MEMPHIS, TN 38120 | USABLE LIFE | $2K | — | $2K | 6.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $2K | $17 | $2K | 9.09% |
| CLAY & LAND COMPANIES3 | 866 RIDGEWAY LOOP SUITE 102 MEMPHIS, TN 38120 | USABLE LIFE | $1K | — | $1K | 6.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $2K | $533 | $2K | 12.09% |
| CLAY & LAND COMPANIES3 | 866 RIDGEWAY LOOP SUITE 102 MEMPHIS, TN 38120 | USABLE LIFE | $1K | — | $1K | 6.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $269 | — | $269 | 14.99% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $162 | $58 | $220 | 12.26% |
| CLAY & LAND COMPANIES3 | 866 RIDGEWAY LOOP SUITE 102 MEMPHIS, TN 38120 | USABLE LIFE | $108 | — | $108 | 6.02% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 112 | $1.0M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 112 | $1.0M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 112 | $1.0M |
| Life insurance(2 contracts) | USABLE LIFE | 125 | $76K |
| Short-term disability | USABLE LIFE | 35 | $19K |
| Long-term disability | USABLE LIFE | 125 | $33K |
| Other(3 contracts) | USABLE LIFE | 125 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.