| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREW RADER3 | 265 BROOKVIEW CENTRE WAY STE 505 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $82K | — | $82K | 2.00% |
| DONNA BAKER3 | 1120 SANCUTARY PKWY STE 300 APHARETTA, GA 30009 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $14K | — | $14K | 0.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | SOUTH EAST INC 29982 NETWORK PLACE CHICAGO, IL 60673 | USABLE LIFE | $27K | — | $27K | 12.55% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $22K | — | $22K | 10.04% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET, 6TH FLOOR SAN DIEGO SAN DIEGO, CA 92101 | USABLE LIFE | $5K | — | $5K | 2.45% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - SEE ATTACHED FOR BROKER | BREAKDOWN 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $3K | — | $3K | 12.85% |
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 | 549 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 990 | $4.1M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 990 | $4.1M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 990 | $4.1M |
| Life insurance | USABLE LIFE | 557 | $216K |
| Short-term disability | USABLE LIFE | 557 | $216K |
| Long-term disability | USABLE LIFE | 557 | $216K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 557 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 990 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.