| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT TIMOTHY SINKS3 Filed as: ROBERT S PETREE | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $30K | — | $30K | 2.77% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ | — | HBA ADMINISTRATORS | $3K | $263 | $3K | 4.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TENNESSEE | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37229 | STANDARD INSURANCE COMPANY | $3K | $600 | $3K | 6.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TENNESSEE | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37229 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 21.33% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 13.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | USABLE LIFE | $1K | — | $1K | 9.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 10151 DEERWOOD PARK BOULEVARD B100 SUTIE 500 JACKSONVILLE, FL 32256 | USABLE LIFE | $461 | — | $461 | 3.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TENNESSEE | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37229 | STANDARD INSURANCE COMPANY | $1K | $142 | $1K | 11.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TENNESSEE INC | 6 CADILLA DRIVE SUITE 200 BRENTWOOD, TX 37027 | USABLE LIFE | $877 | — | $877 | 14.99% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $683 | $117 | $800 | 13.68% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 78 | $1.1M |
| Dental | STANDARD INSURANCE COMPANY | 111 | $51K |
| Vision | STANDARD INSURANCE COMPANY | 90 | $12K |
| Life insurance | USABLE LIFE | 73 | $6K |
| Short-term disability | USABLE LIFE | 19 | $12K |
| Other(3 contracts, 3 carriers) | HBA ADMINISTRATORS | 94 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.