| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN GOODSON3 | 1600 DIVISION STREET SUITE 420 NASHVILLE, TN 27207 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $35K | — | $35K | 4.26% |
| FINANCIAL PRODUCTS AND SERVICE3 Filed as: FINANCIAL PRODUCTS & SERVICES, INC. | 211 ATHENS WAY #200 NASHVILLE, TN 37228 | DELTA DENTAL OF TENNESSEE | $5K | — | $5K | 10.00% |
| FINANCIAL PRODUCTS AND SERVICE3 Filed as: FINANCIAL PRODUCTS & SERVICES | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | USABLE LIFE | $4K | — | $4K | 14.89% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRLCE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $4K | — | $4K | 14.89% |
| FINANCIAL PRODUCTS AND SERVICE3 Filed as: FINANCIAL PRODUCTS & SERVICES | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | USABLE LIFE | $3K | — | $3K | 14.98% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 8.99% |
| FINANCIAL PRODUCTS AND SERVICE3 Filed as: FINANCIAL PRODUCTS & SERVICES | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | USABLE LIFE | $3K | — | $3K | 15.07% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 15.07% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $893 | — | $893 | 15.42% |
| FINANCIAL PRODUCTS AND SERVICE3 Filed as: FINANCIAL PRODUCTS & SERVICES | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | USABLE LIFE | $578 | — | $578 | 9.98% |
| FINANCIAL PRODUCTS AND SERVICE3 Filed as: FINANCIAL PRODUCTS & SERVICES | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | USABLE LIFE | $200 | — | $200 | 15.14% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $200 | — | $200 | 15.14% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 92 | $828K |
| Dental | DELTA DENTAL OF TENNESSEE | 113 | $53K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 92 | $828K |
| Life insurance(2 contracts) | USABLE LIFE | 143 | $40K |
| Short-term disability | USABLE LIFE | 58 | $26K |
| Long-term disability | USABLE LIFE | 143 | $6K |
| Other(3 contracts) | USABLE LIFE | 143 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.