| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD DENBO3 | 103 POWELL COURT SUITE 200 BRENTWOOD, TN 37207 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $56K | — | $56K | 4.31% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 2910 SIDCO DRIVE NASHVILLE, TN 37204 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $18K | — | $18K | 1.39% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | $155 | $1K | 0.16% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 2910 SIDCO DRIVE NASHVILLE, TN 37204 | USABLE LIFE | $776 | — | $776 | 0.10% |
| COMMERCIAL INSURANCE ASSOCIATES3 | 103 POWELL COURT SUITE 200 BRENTWOOD, TN 37207 | SYMETRA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.61% |
| PROPEL INSURANCE AGENCY, LLC3 Filed as: PROPEL INSURANCE AGENCY | PO BOX 2940 TACOMA, WA 98401 | SYMETRA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.58% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37042 | SYMETRA LIFE INSURANCE COMPANY | $0 | $20 | $20 | 0.06% |
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 | 228 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 228 | $1.3M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 228 | $1.3M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 228 | $1.3M |
| Life insurance | USABLE LIFE | 139 | $776K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 228 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.