| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHITE & ASSOCIATES3 | 220 NORTH MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | USABLE LIFE | $18K | $2K | $20K | 16.21% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $8K | — | $8K | 6.38% |
| WHITE & ASSOCIATES3 | 220 NORTH MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | USABLE LIFE | $13K | $1K | $14K | 16.17% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $5K | — | $5K | 6.36% |
| WHITE & ASSOCIATES3 | 220 NORTH MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | USABLE LIFE | $5K | $513 | $6K | 16.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $5K | — | $5K | 14.55% |
| LARRY WHITE3 Filed as: LARRY S WHITE | 220 NORTH MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $3K | — | $3K | 10.01% |
| WHITE & ASSOCIATES3 | 220 NORTH MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | USABLE LIFE | $5K | $510 | $5K | 16.63% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 6.70% |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOCIATES INSURANCE A | 220 NORTH MAIN DYERSBURG, TN 38024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.00% |
| LARRY WHITE3 Filed as: LARRY S WHITE | 220 NORTH MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $773 | — | $773 | 9.85% |
| WHITE & ASSOCIATES3 | 220 NORTH MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | USABLE LIFE | $727 | $96 | $823 | 15.97% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $727 | — | $727 | 14.11% |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOCIATES INSURANCE A | 220 NORTH MAIN DYERSBURG, TN 38024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $357 | — | $357 | 21.57% |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOCIATES INSURANCE A | 220 NORTH MAIN DYERSBURG, TN 38024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $248 | — | $248 | 16.10% |
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 | 425 | 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) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 425 | $40K |
| Life insurance(2 contracts) | USABLE LIFE | 339 | $120K |
| Short-term disability | USABLE LIFE | 166 | $32K |
| Long-term disability | USABLE LIFE | 364 | $122K |
| Other(6 contracts, 2 carriers) | USABLE LIFE | 339 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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.