| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHITE & ASSOCIATES3 | 220 N MAIN STREET SUITE G-100 DYERSBURGE, TN 38024 | USABLE LIFE | $42K | $3K | $45K | 16.04% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $22K | — | $22K | 7.78% |
| LARRY WHITE3 Filed as: LARRY S WHITE | 220 N MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $8K | — | $8K | 5.20% |
| SHEILA GURIEN3 | 220 N MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $8K | — | $8K | 4.75% |
| SHEILA GURIEN3 | 220 N MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $4K | — | $4K | 9.96% |
| LARRY WHITE3 Filed as: LARRY S WHITE | 220 N MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $2K | — | $2K | 5.18% |
| LARRY WHITE3 Filed as: LARRY S WHITE | 220 N MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $2K | — | $2K | 5.24% |
| SHEILA GURIEN3 | 220 N MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $2K | — | $2K | 4.80% |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOCIATES INSURANCE AGENCY | 220 N MAIN DYERSBURG, TN 38024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.00% |
| LARRY WHITE3 Filed as: LARRY S WHITE | 220 N MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $44K | — | $44K | 528.16% |
| SHEILA GURIEN3 | 220 N MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $405 | — | $405 | 4.82% |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOCIATES INSURANCE AGENCY | 220 N MAIN DYERSBURG, TN 38024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $347 | — | $347 | 20.01% |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOCIATES INSURANCE AGENCY | 220 N MAIN DYERSBURG, TN 38024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $143 | — | $143 | 20.03% |
| LARRY WHITE3 Filed as: LARRY S WHITE | 220 N MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $3K | — | $3K | — |
| SHEILA GURIEN3 | 220 N MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $3K | — | $3K | — |
| LARRY WHITE3 Filed as: LARRY S WHITE | 220 N MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $878 | — | $878 | — |
| SHEILA GURIEN3 | 220 N MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $818 | — | $818 | — |
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 | 370 | 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) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 352 | $201K |
| Dental(2 contracts) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 507 | $0 |
| Vision(2 contracts) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 433 | $41K |
| Life insurance | USABLE LIFE | 370 | $280K |
| Short-term disability | USABLE LIFE | 370 | $280K |
| Long-term disability | USABLE LIFE | 370 | $280K |
| Other(4 contracts, 2 carriers) | USABLE LIFE | 370 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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.