| 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. | $37K | — | $37K | 3.05% |
| WENDELL DYSON3 | 866 RIDGEWAY LOOP ROAD #200 MEMPHIS, TN 38120 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $25K | — | $25K | 2.05% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $6K | — | $6K | 8.86% |
| CLAY & LAND COMPANIES3 | 866 RIDGEWAY LOOP SUITE 102 MEMPHIS, TN 38120 | USABLE LIFE | $4K | — | $4K | 5.91% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $3K | — | $3K | 8.78% |
| CLAY & LAND COMPANIES3 | 866 RIDGEWAY LOOP SUITE 102 MEMPHIS, TN 38120 | USABLE LIFE | $2K | — | $2K | 5.85% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 14.79% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $2K | $3 | $2K | 8.89% |
| CLAY & LAND COMPANIES3 | 866 RIDGEWAY LOOP SUITE 102 MEMPHIS, TN 38120 | USABLE LIFE | $1K | — | $1K | 5.92% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 15.30% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $2K | $8 | $2K | 9.23% |
| CLAY & LAND COMPANIES3 | 866 RIDGEWAY LOOP SUITE 102 MEMPHIS, TN 38120 | USABLE LIFE | $1K | — | $1K | 6.12% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $252 | — | $252 | 15.17% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $151 | — | $151 | 9.09% |
| CLAY & LAND COMPANIES3 | 866 RIDGEWAY LOOP SUITE 102 MEMPHIS, TN 38120 | USABLE LIFE | $101 | — | $101 | 6.08% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 178 | $1.2M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 178 | $1.2M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 178 | $1.2M |
| Life insurance(3 contracts) | USABLE LIFE | 129 | $87K |
| Short-term disability | USABLE LIFE | 30 | $17K |
| Long-term disability | USABLE LIFE | 129 | $39K |
| Other(2 contracts) | USABLE LIFE | 129 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.