| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS W BOSTON3 Filed as: THOMAS A DAMPF | 4205 HILLSBORO PIKE STE 120 NASHVILLE, TN 37215 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $2K | — | $2K | 11.35% |
| PANCOAST & ASSOCIATES INC3 Filed as: PANCOAST & ASSOCIATES | 4205 HILLSBORO PIKE STE 120 NASHVILLE, TN 37215 | USABLE LIFE | $389 | — | $389 | 15.01% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE, 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $337 | — | $337 | 13.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: GROUP INSRUANCE SERVICES INC. | 1 CAMERON HILL CIRCLE, 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $128 | $17 | $145 | 16.96% |
| PANCOAST & ASSOCIATES INC3 Filed as: PANCOAST & ASSOCIATES | 4205 HILLSBORO PIKE STE 120 NASHVILLE, TN 37215 | USABLE LIFE | $128 | — | $128 | 14.97% |
| PANCOAST & ASSOCIATES INC3 Filed as: PANCOAST & ASSOCIATES | 4205 HILLSBORO PIKE STE 120 NASHVILLE, TN 37215 | USABLE LIFE | $30 | — | $30 | 15.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: GROUP INSRUANCE SERVICES INC. | 1 CAMERON HILL CIRCLE, 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $26 | — | $26 | 13.00% |
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 | 279 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 279 | $15K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 279 | $15K |
| Life insurance(2 contracts) | USABLE LIFE | 151 | $3K |
| Other(2 contracts) | USABLE LIFE | 151 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.