| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN GOODSON3 | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $38K | — | $38K | 5.64% |
| FINANCIAL PRODUCTS AND SERVICE3 Filed as: FINANCIAL PRODUCTS & SERVICES IN | 211 ATHENS WAY #200 NASHVILLE, TN 37228 | DELTA DENTAL OF TENNESSEE | $4K | — | $4K | 7.50% |
| FINANCIAL PRODUCTS AND SERVICE3 Filed as: FINANCIAL PRODUCTS & SERVICES | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | USABLE LIFE | $3K | $377 | $4K | 16.67% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 8.88% |
| FINANCIAL PRODUCTS AND SERVICE3 Filed as: FINANCIAL PRODUCTS & SERVICES | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | USABLE LIFE | $3K | $377 | $4K | 16.70% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 13.00% |
| FINANCIAL PRODUCTS AND SERVICE3 Filed as: FINANCIAL PRODUCTS & SERVICES | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | USABLE LIFE | $1K | $160 | $2K | 16.71% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | — | $1K | 13.00% |
| FINANCIAL PRODUCTS AND SERVICE3 Filed as: FINANCIAL PRODUCTS & SERVICES | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | USABLE LIFE | $1K | $120 | $1K | 16.67% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | — | $1K | 14.80% |
| FINANCIAL PRODUCTS AND SERVICE3 Filed as: FINANCIAL PRODUCTS & SERVICES | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | USABLE LIFE | $130 | $15 | $145 | 16.74% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $113 | — | $113 | 13.05% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 108 | $679K |
| Dental | DELTA DENTAL OF TENNESSEE | 125 | $53K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 108 | $679K |
| Life insurance(2 contracts) | USABLE LIFE | 151 | $32K |
| Short-term disability | USABLE LIFE | 58 | $22K |
| Long-term disability | USABLE LIFE | 151 | $7K |
| Other(3 contracts) | USABLE LIFE | 151 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.