| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM H VAN PELT IV3 Filed as: WILLIAM VANPELT | 1218 WEBSTER STREET HOUSTON, TX 77002 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $80K | — | $80K | 5.28% |
| DUKE INGRAM FINANCIAL SERVICES3 | 2903 E. OAKLAND AVENUE JOHNSON CITY, TN 37601 | USABLE LIFE | $11K | $889 | $12K | 21.58% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $4K | — | $4K | 7.16% |
| DUKE INGRAM FINANCIAL SERVICES3 | 2903 E OAKLAND AVENUE JOHNSON CITY, TN 37601 | USABLE LIFE | $10K | $489 | $10K | 21.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $7K | — | $7K | 15.00% |
| DUKE INGRAM FINANCIAL SERVICES3 | 2903 E OAKLAND AVENUE JOHNSON CITY, TN 37601 | USABLE LIFE | $7K | $824 | $7K | 22.48% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 7.96% |
| MIDCONTINENT COMPANIES3 | 1218 WEBSTER STREET HOUSTON, TX 770028841 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 306 | $1.5M |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $15K |
| Life insurance(2 contracts) | USABLE LIFE | 208 | $105K |
| Long-term disability | USABLE LIFE | 182 | $33K |
| Other | USABLE LIFE | 192 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.