| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK BARNES3 Filed as: MARK I BARNES | 6525 QUAIL HOLLOW #500 MEMPHIS, TN 38120 | BLUECROSS BLUESHIELD OF TENNESSEE | $58K | — | $58K | 4.04% |
| GROUP INSURANCE SERVICES INC Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | $141 | $1K | 16.92% |
| MARK BARNES Filed as: MARK I BARNES | 6525 QUAIL HOLLOW #500 MEMPHIS, TN 38120 | USABLE LIFE | $353 | — | $353 | 5.00% |
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 | 345 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE | 345 | $1.4M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE | 345 | $1.4M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE | 345 | $1.4M |
| Life insurance | USABLE LIFE | 199 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.