| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAREN TOKARZ3 | 315 ROBERT ROSE DRIVE SUITE B MURFEESBORO, TN 37129 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $9K | — | $9K | 7.06% |
| TED E FRIZEN3 | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $1K | — | $1K | 0.97% |
| FINANCIAL PRODUCTS AND SERVICE3 Filed as: FINANCIAL PRODUCTS & SERVICES | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | USABLE LIFE | $5K | — | $5K | 13.81% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $5K | — | $5K | 13.00% |
| PAMELA MOONEYHAM3 | 8085 EAST VALLEY ROAD DUNLAP, TN 37327 | USABLE LIFE | $469 | — | $469 | 1.19% |
| FINANCIAL PRODUCTS AND SERVICE3 Filed as: FINANCIAL PRODUCTS & SERVICES INC | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 15.16% |
| FINANCIAL PRODUCTS AND SERVICE3 Filed as: FINANCIAL PRODUCTS & SERVICES INC | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | UNICARE LIFE & HEALTH INC | $1K | — | $1K | 9.89% |
| M. FINANCIAL HOLDINGS INCORPORATED3 Filed as: FINANICAL PRODUCTS & SERVICES | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | USABLE LIFE | $1K | — | $1K | 13.78% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | — | $1K | 12.86% |
| PAMELA MOONEYHAM3 | 8085 EAST VALLEY ROAD DUNLAP, TN 37327 | USABLE LIFE | $104 | — | $104 | 1.06% |
| FINANCIAL PRODUCTS AND SERVICE3 Filed as: FINANCIAL PRODUCTS & SERVICES INC | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | UNICARE LIFE & HEALTH INSURANCE COMPANY | $2K | — | $2K | 23.63% |
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 | 286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 318 | $129K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 318 | $129K |
| Life insurance(4 contracts, 4 carriers) | USABLE LIFE | 267 | $86K |
| Other(5 contracts, 4 carriers) | USABLE LIFE | 267 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.