| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOCITAES | 220 NORTH MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | USABLE LIFE | $15K | — | $15K | 15.01% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | USABLE LIFE | $6K | — | $6K | 6.33% |
| WHITE & ASSOCIATES3 | 220 NORTH MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | USABLE LIFE | $10K | — | $10K | 14.99% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | USABLE LIFE | $4K | — | $4K | 6.28% |
| WHITE & ASSOCIATES3 | 220 NORTH MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | USABLE LIFE | $5K | — | $5K | 15.06% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 6.31% |
| LARRY WHITE3 Filed as: LARRY S WHITE | 220 NORTH MAIN STREET DYERSBURG, TN 38024 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $56 | — | $56 | 0.20% |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOCIATES INSURANCE AGENCY | 220 NORTH MAIN STREET DYERSBURG, TN 38024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 18.98% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 15.00% |
| WHITE & ASSOCIATES3 | 220 NORTH MAIN STREET SUITE G-00 DYERSBURG, TN 38024 | USABLE LIFE | $3K | — | $3K | 15.00% |
| LARRY WHITE3 Filed as: LARRY S WHITE | 220 NORTH MAIN STREET SUITE 101 DYERSBURG, TN 38024 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $611 | — | $611 | 9.85% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | USABLE LIFE | $427 | — | $427 | 15.02% |
| WHITE & ASSOCIATES3 | 220 NORTH MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | USABLE LIFE | $426 | — | $426 | 14.99% |
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 | 383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 386 | $34K |
| Life insurance | USABLE LIFE | 340 | $67K |
| Short-term disability | USABLE LIFE | 256 | $34K |
| Long-term disability | USABLE LIFE | 385 | $99K |
| Other(4 contracts, 2 carriers) | USABLE LIFE | 340 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.