| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CODY HUNTER3 | 5151 SAN FELIPE ST. 24TH F HOUSTON, TX 77056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $98K | — | $98K | 5.77% |
| CODY HUNTER3 | 5151 SAN SAN PELIPE 24TH FL HOUSTON, TX 77056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | — | $0 | 0.00% |
| DUKE INGRAM FINANCIAL SERVICES3 | 2903 E OAKLAND AVENUE JOHNSON CITY, TN 37601 | USABLE LIFE | $23K | — | $23K | 20.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $8K | — | $8K | 7.11% |
| DUKE INGRAM FINANCIAL SERVICES3 | 2903 E OAKLAND AVENUE JOHNSON CITY, TN 37601 | USABLE LIFE | $13K | — | $13K | 20.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $10K | — | $10K | 15.00% |
| INSGROUP INC3 Filed as: INSGROUP, INC. | 1218 WEBSTER STREET HOUSTON, TX 77002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.12% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTY, SHERMAN | 124211 W BOY SCOUT BLVD, STE. 800 TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $335 | — | $335 | 1.87% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 169 | $1.7M |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 159 | $18K |
| Life insurance(2 contracts) | USABLE LIFE | 270 | $181K |
| Long-term disability | USABLE LIFE | 221 | $117K |
| Other | USABLE LIFE | 221 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.