| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID S BIVINS3 Filed as: DAVID FESMIRE | PO BOX 2198 HENDERSONVILLE, TN 37077 | BLUECROSS OF TENNESSEE | $73K | — | $73K | 5.65% |
| COVERAGE SOLUTIONS GROUP3 | PO BOX 2198 HENDERSONVILLE, TN 37077 | USABLE LIFE | $11K | — | $11K | 15.00% |
| GROUP INSURANCE SERVICE INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | — | $1K | 1.87% |
| COVERAGE SOLUTIONS GROUP3 | PO BOX 2198 HENDERSONVILLE, TN 37077 | USABLE LIFE | $8K | — | $8K | 15.00% |
| GROUP INSURANCE SERVICE INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $8K | — | $8K | 15.00% |
| COVERAGE SOLUTIONS GROUP | PO BOX 2198 HENDERSONVILLE, TN 37077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.38% |
| DENNIS E TRAYWICK3 | 6738 FLAT CREEK RD COLLEGE GROVE, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $796 | — | $796 | 2.47% |
| BRENDA H BRIDGES3 | 223 SHADY LANE WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $447 | — | $447 | 1.39% |
| BENEFIT ENROLLMENT SERVICES INC Filed as: BENEFIT ENROLLMENT SERVICES INC. | 210 CARDEN AVENUE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $431 | — | $431 | 1.34% |
| JAMES A SHARP3 | 1021 TULIP BLOSSOM DRIVE HENDERSONVILLE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $167 | — | $167 | 0.52% |
| MARILYNN DECKER3 | 5173 JOHN HAGAR RD HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $129 | — | $129 | 0.40% |
| DEBBIE PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $121 | — | $121 | 0.38% |
| BRANDI TAFT3 | 7325 AUTUMN CROSSING WAY BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.22% |
| BENEFITS FIRST LLC3 | PO BOX 766 LEXINGTON, TN 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.16% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.07% |
| EMILY COPELAND3 | PO BOX 453 MIDDLETON, TN 38052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.05% |
| JERRY W HOOPER3 | 6044 MAYSBROOK LANE FRANKLIN, TN 37064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| GROUP INSURANCE SERVICE INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | $206 | $1K | 14.23% |
| COVERAGE SOLUTIONS GROUP3 | PO BOX 2198 HENDERSONVILLE, TN 37077 | USABLE LIFE | $1K | — | $1K | 10.00% |
| GROUP INSURANCE SERVICE INC | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | — | $1K | 15.00% |
| COVERAGE SOLUTIONS GROUP | PO BOX 2198 HENDERSONVILLE, TN 37077 | USABLE LIFE | $1K | — | $1K | 15.00% |
| COVERAGE SOLUTIONS GROUP3 | PO BOX 2198 HENDERSONVILLE, TN 37077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 3.36% |
| DENNIS E TRAYWICK3 | 6738 FLAT CREEK RD COLLEGE GROVE, TN 37046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 1.66% |
| BENEFIT ENROLLMENT SERVICES INC3 Filed as: BENEFIT ENROLLMENT SERVICES INC. | 210 CARDEN AVENUE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 1.11% |
| MARILYNN DECKER3 | 5173 JOHN HAGAR RD HENDERSONVILLE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.83% |
| DEBBIE PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.60% |
| BRANDA H BRIDGES3 | 223 SHADY LANE WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.51% |
| JAMES A SHARP3 | 1021 TULIP BLOSSOM DRIVE HENDERSONVILLE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.37% |
| EMILY COPELAND3 | PO BOX 453 MIDDLETON, TN 38052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.28% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.28% |
| JERRY W HOOPER3 | 6044 MAYSBROOK LANE FRANKLIN, TN 37064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.05% |
| TURNER P WILLIAMS & ASSOC | 623 WOODLEIGH DRIVE NASHVILLE, TN 37215 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $54 | — | $54 | 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 | 281 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS OF TENNESSEE | 281 | $1.3M |
| Dental | BLUECROSS OF TENNESSEE | 281 | $1.3M |
| Vision | BLUECROSS OF TENNESSEE | 281 | $1.3M |
| Life insurance(2 contracts) | USABLE LIFE | 158 | $61K |
| Short-term disability(3 contracts, 2 carriers) | USABLE LIFE | 158 | $18K |
| Long-term disability | USABLE LIFE | 92 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.