| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TED E FRIZEN3 | 211 ATHENS WAY SUITE 100 NASHVILLE, TN 37228 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $11K | — | $11K | 8.32% |
| PAMELA MOONEYHAM3 | 8085 EAST VALLEY ROAD DUNLAP, TN 37327 | USABLE LIFE | $3K | — | $3K | 7.91% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 5.89% |
| MOONEYHAM, PAMELA3 | 8085 EAST VALLEY ROAD DUNLAP, TN 37327 | USABLE LIFE | $5K | — | $5K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRLCE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $4K | — | $4K | 13.00% |
| FINANCIAL PRODUCTS AND SERVICES3 | 201-B VENTURE CIRCLE NASHVILLE, TN 37228 | UNICARE LIFE & HEALTH INSURANCE COMPANY | $5K | — | $5K | 14.93% |
| PAMELA MOONEYHAM3 | 8085 EAST VALLEY ROAD DUNLAP, TN 37327 | USABLE LIFE | $2K | — | $2K | 7.76% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | — | $1K | 6.11% |
| MOONEYHAM, PAMELA3 | 8085 EAST VALLEY ROAD DUNLAP, TN 37327 | USABLE LIFE | $1K | — | $1K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $912 | — | $912 | 13.00% |
| PAMELA MOONEYHAM3 | 8085 EAST VALLEY ROAD DUNLAP, TN 37327 | USABLE LIFE | $739 | — | $739 | 12.03% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $274 | — | $274 | 4.46% |
| PAMELA MOONEYHAM3 | 8085 EAST VALLEY ROAD DUNLAP, TN 37327 | USABLE LIFE | $516 | — | $516 | 8.71% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $276 | — | $276 | 4.66% |
| PAMELA MOONEYHAM3 | 8085 EAST VALLEY ROAD DUNLAP, TN 37327 | USABLE LIFE | $246 | — | $246 | 9.83% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $128 | — | $128 | 5.12% |
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 | 246 | 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) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 324 | $132K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 324 | $132K |
| Life insurance(3 contracts, 2 carriers) | USABLE LIFE | 246 | $74K |
| Other(8 contracts, 2 carriers) | USABLE LIFE | 246 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.