| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBR SERVICES LLC3 Filed as: SBR SERVICES, LLC | 2839 PACES FERRY RD SE, STE 830 ATLANTA, GA 30339 | SUN LIFE ASSURANCE CO OF CANADA | $14K | $2K | $16K | 5.59% |
| ROBERT VINCENT3 Filed as: ROBERT B WATKINS | 4205 HILLSBORO PIKE, STE 120 NASHVILLE, TN 37215 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $7K | — | $7K | 7.76% |
| RYAN ROTHROCK3 Filed as: RYAN P ROTHROCK | 565 MARRIOT DR, STE 500 NASHVILLE, TN 37214 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $1K | — | $1K | 1.41% |
| DONALD HURWITZ3 Filed as: DONALD S HURWITZ | 1600 DIVISION ST, STE 400 NASHVILLE, TN 37203 | NORTHWESTERN MUTUAL | $3K | $851 | $4K | 17.49% |
| CHARLES ROBERT PRUETT3 Filed as: CHARLES ROBERT PRUITT | 1600 DIVISION ST, STE 400 NASHVILLE, TN 37203 | NORTHWESTERN MUTUAL | $675 | $81 | $756 | 3.13% |
| BUSINESS MATTERS, INC3 | PO BOX 863 SELMER, TN 38375 | USABLE LIFE | $193 | — | $193 | 4.94% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $154 | — | $154 | 3.94% |
| BUSINESS MATTERS, INC3 | PO BOX 863 SELMER, TN 38375 | USABLE LIFE | $178 | — | $178 | 5.03% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $149 | — | $149 | 4.21% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH STREET, STE 100 KANSAS CITY, MO 64112 | USABLE LIFE | $33 | — | $33 | 0.93% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $50 | — | $50 | 4.04% |
| BUSINESS MATTERS, INC3 | PO BOX 863 SELMER, TN 38375 | USABLE LIFE | $43 | — | $43 | 3.47% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH STREET, STE 100 KANSAS CITY, MO 64112 | USABLE LIFE | $19 | — | $19 | 1.53% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $141 | — | $141 | 13.03% |
| PANCOAST & ASSOCIATES INC3 Filed as: PANCOAST & ASSOCIATES | 4205 HILLSBORO PIKE, STE 120 NASHVILLE, TN 37215 | USABLE LIFE | $135 | — | $135 | 12.48% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN OF TENNESSEE, INC | 6 CADILLAC DRIVE, STE 200 BRENTWOOD, TN 37027 | USABLE LIFE | $27 | — | $27 | 2.50% |
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 | 281 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | USABLE LIFE | 10 | $4K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 281 | $85K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 281 | $85K |
| Life insurance(3 contracts) | USABLE LIFE | 57 | $6K |
| Long-term disability | NORTHWESTERN MUTUAL | 22 | $24K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE CO OF CANADA | 142 | $289K |
| Other(4 contracts) | USABLE LIFE | 57 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.
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.