| 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 | $77K | — | $77K | 5.77% |
| COVERAGE SOLUTIONS GROUP3 | PO BOX 2198 HENDERSONVILLE, TN 37077 | USABLE LIFE | $17K | — | $17K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 1.58% |
| COVERAGE SOLUTIONS GROUP3 | PO BOX 2198 HENDERSONVILLE, TN 37077 | USABLE LIFE | $10K | — | $10K | 14.75% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $10K | — | $10K | 14.75% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | $219 | $2K | 14.18% |
| COVERAGE SOLUTIONS GROUP3 | PO BOX 2198 HENDERSONVILLE, TN 37077 | USABLE LIFE | $1K | — | $1K | 10.00% |
| T P WILLIAMS & ASSOC3 | 623 WOODLEIGH DR NASHVILLE, TN 37215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $273 | — | $273 | 8.76% |
| T P WILLIAMS & ASSOC3 | 623 WOODLEIGH DR NASHVILLE, TN 37215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 2.12% |
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 | 309 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 283 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 309 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 901 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS OF TENNESSEE | 309 | $1.3M |
| Dental | BLUECROSS OF TENNESSEE | 309 | $1.3M |
| Vision | BLUECROSS OF TENNESSEE | 309 | $1.3M |
| Life insurance(2 contracts) | USABLE LIFE | 184 | $78K |
| Short-term disability(2 contracts) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 2 | $4K |
| Long-term disability(3 contracts, 2 carriers) | USABLE LIFE | 130 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.