| 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 | $16K | — | $16K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $7K | — | $7K | 6.61% |
| WHITE & ASSOCIATES3 | 220 NORTH MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | USABLE LIFE | $11K | — | $11K | 14.99% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $5K | — | $5K | 6.58% |
| WHITE & ASSOCIATES3 | 220 NORTH MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | USABLE LIFE | $5K | — | $5K | 15.02% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 6.66% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $4K | — | $4K | 15.00% |
| WHITE & ASSOCIATES3 | 220 NORTH MAIN STREET SUITE G-00 DYERSBURG, TN 38024 | USABLE LIFE | $4K | — | $4K | 15.00% |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOCIATES INSURANCE AGENCY | 220 NORTH MAIN STREET DYERSBURG, TN 38024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 20.30% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $572 | — | $572 | 15.00% |
| WHITE & ASSOCIATES3 | 220 NORTH MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | USABLE LIFE | $572 | — | $572 | 15.00% |
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 | 272 | 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) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | USABLE LIFE | 354 | $72K |
| Short-term disability | USABLE LIFE | 275 | $35K |
| Long-term disability | USABLE LIFE | 398 | $107K |
| Other(4 contracts, 2 carriers) | USABLE LIFE | 354 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.