| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT C LADD3 Filed as: ROBERT LADD | PO BOX 9966 STE 104 CHATTANOOGA, TN 37412 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $30K | $0 | $30K | 3.52% |
| FRED MOORE3 | 605 CHESTNUT ST STE 500 CHATTANOOGA, TN 37450 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $19K | $0 | $19K | 2.17% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $6K | $0 | $6K | 16.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT ST STE 800 WORCESTER, MA 01608 | USABLE LIFE | $3K | $0 | $3K | 7.84% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: LADD & ASSOCIATES INSURANC INC | PO BOX 9966 CHATTANOOGA, TN 37412 | USABLE LIFE | $2K | $0 | $2K | 7.16% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 176 | $864K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 176 | $864K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 176 | $864K |
| Life insurance | USABLE LIFE | 129 | $34K |
| Short-term disability | USABLE LIFE | 129 | $34K |
| Other | USABLE LIFE | 129 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.