| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHAFER INSURANCE AGENCY INC3 Filed as: SHAFER INSURANCE AGENCY | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | UNITEDHEALTHCARE INSURANCE COMPANY | $44K | $317 | $44K | 4.03% |
| LISA ROBINETTE3 | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $5K | — | $5K | 7.21% |
| SHAFER INSURANCE AGENCY INC3 | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | USABLE LIFE | $5K | $370 | $6K | 16.03% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | — | $1K | 2.81% |
| SHAFER INSURANCE AGENCY INC3 | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | USABLE LIFE | $4K | $268 | $5K | 15.90% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $823 | — | $823 | 2.77% |
| SHAFER INSURANCE AGENCY INC3 Filed as: SHAFER INSURANCE AGENCY | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | USABLE LIFE | $2K | $212 | $2K | 16.53% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 15.00% |
| SHAFER INSURANCE AGENCY INC3 | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | USABLE LIFE | $1K | $62 | $1K | 15.87% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $195 | — | $195 | 2.74% |
| SHAFER INSURANCE AGENCY INC3 | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | USABLE LIFE | $125 | $22 | $147 | 17.69% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $125 | — | $125 | 15.04% |
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 | 214 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 274 | $1.1M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 280 | $73K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 280 | $73K |
| Life insurance(2 contracts) | USABLE LIFE | 198 | $21K |
| Short-term disability | USABLE LIFE | 198 | $30K |
| Long-term disability | USABLE LIFE | 198 | $36K |
| Other(4 contracts, 2 carriers) | USABLE LIFE | 198 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.