| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS W BOSTON3 Filed as: THOMAS A DAMPF | 4205 HILLSBORO PIKDE, STE 120 NASHVILLE, TN 37215 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $4K | — | $4K | 5.33% |
| ROBERT VINCENT3 Filed as: ROBERT B WATKINS | 4205 HILLSBORO PIKDE, STE 120 NASHVILLE, TN 37215 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $2K | — | $2K | 2.61% |
| BUSINESS MATTERS, INC3 | PO BOX 863 SELMER, TN 38375 | USABLE LIFE | $250 | — | $250 | 5.01% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $200 | — | $200 | 4.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $184 | — | $184 | 4.39% |
| BUSINESS MATTERS, INC3 | PO BOX 863 SELMER, TN 38375 | USABLE LIFE | $176 | — | $176 | 4.20% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH STREET, STE 100 KANSAS CITY, MO 64112 | USABLE LIFE | $44 | — | $44 | 1.05% |
| PANCOAST & ASSOCIATES INC3 Filed as: PANCOAST & ASSOCIATES | 4205 HILLSBORO PIKDE, STE 120 NASHVILLE, TN 37215 | USABLE LIFE | $620 | — | $620 | 15.01% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $529 | $83 | $612 | 14.81% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $54 | — | $54 | 4.03% |
| BUSINESS MATTERS, INC3 | PO BOX 863 SELMER, TN 38375 | USABLE LIFE | $48 | — | $48 | 3.58% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH STREET, STE 100 KANSAS CITY, MO 64112 | USABLE LIFE | $25 | — | $25 | 1.87% |
| PANCOAST & ASSOCIATES INC3 Filed as: PANCOAST & ASSOCIATES | 4205 HILLSBORO PIKDE, STE 120 NASHVILLE, TN 37215 | USABLE LIFE | $162 | — | $162 | 15.04% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $140 | — | $140 | 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 | 243 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | USABLE LIFE | 14 | $5K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 243 | $82K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 243 | $82K |
| Life insurance(4 contracts) | USABLE LIFE | 132 | $11K |
| Other(5 contracts) | USABLE LIFE | 132 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.