| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KENNETH A ELLIS3 | 382 AB CARRIAGE HOUSE DRIVE JACKSON, TN 38305 | BLUECROSS BLUESHIELD OF TENNESSEE INC | $49K | — | $49K | 3.72% |
| JOHN T HARRIS3 | 451 DIVISION ST NE SALEM, OR 97301 | BLUECROSS BLUESHIELD OF TENNESSEE INC | $23K | — | $23K | 1.75% |
| ELLIS INSURANCE AGENCY3 | 3822 CARRIAGE HOUSE DR JACKSON, TN 38305 | USABLE LIFE | $3K | — | $3K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | — | $1K | 7.00% |
| ELLIS INSURANCE AGENCY3 | 382 CARRIAGE HOUSE DR JACKSON, TN 38305 | USABLE LIFE | $2K | — | $2K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | — | $1K | 7.00% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE INC | 274 | $1.3M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE INC | 274 | $1.3M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE INC | 274 | $1.3M |
| Life insurance | USABLE LIFE | 0 | $20K |
| Long-term disability | USABLE LIFE | 150 | $17K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE INC | 274 | $1.3M |
| Other | USABLE LIFE | 0 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.