| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA ROBINETTE3 | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $58K | — | $58K | 4.92% |
| SHAFER INSURANCE AGENCY INC3 Filed as: SHAFER INSURANCE AGENCY | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | DELTA DENTAL OF TENNESSEE | $7K | — | $7K | 7.45% |
| WYATT INSURANCE SERVICES3 | 312 PROSPERITY DRIVE SUITE 105 KNOXVILLE, TN 37923 | DELTA DENTAL OF TENNESSEE | $2K | — | $2K | 2.55% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $8K | — | $8K | 13.00% |
| SHAFER INSURANCE AGENCY INC3 | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | USABLE LIFE | $6K | $899 | $7K | 11.96% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 710 THOMPSON LANE NASHVILLE, TN 37204 | USABLE LIFE | $3K | — | $3K | 4.56% |
| SHAFER INSURANCE AGENCY INC3 | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | USABLE LIFE | $3K | — | $3K | 11.23% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 710 THOMPSON LANE NASHVILLE, TN 37204 | USABLE LIFE | $1K | — | $1K | 3.77% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $681 | $148 | $829 | 2.83% |
| SHAFER INSURANCE AGENCY INC3 | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | USABLE LIFE | $2K | — | $2K | 10.55% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $489 | $431 | $920 | 4.06% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 710 THOMPSON LANE NASHVILLE, TN 37204 | USABLE LIFE | $842 | — | $842 | 3.71% |
| SHAFER INSURANCE AGENCY INC3 | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | USABLE LIFE | $2K | $393 | $2K | 13.31% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 13.00% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 710 THOMPSON LANE NASHVILLE, TN 37204 | USABLE LIFE | $651 | — | $651 | 4.25% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $524 | — | $524 | 13.01% |
| SHAFER INSURANCE AGENCY INC3 | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | USABLE LIFE | $427 | $87 | $514 | 12.76% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 710 THOMPSON LANE NASHVILLE, TN 37204 | USABLE LIFE | $177 | — | $177 | 4.39% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 324 | $1.2M |
| Dental | DELTA DENTAL OF TENNESSEE | 285 | $92K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 324 | $1.2M |
| Life insurance(2 contracts) | USABLE LIFE | 163 | $82K |
| Short-term disability | USABLE LIFE | 86 | $15K |
| Long-term disability | USABLE LIFE | 185 | $29K |
| Other(3 contracts) | USABLE LIFE | 163 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.