| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN MILAM3 | 265 BROOKVIEW CENTRE WAY STE 505 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $64K | $0 | $64K | 3.14% |
| CHRISTOPHER POYNTER3 Filed as: CHRISTOPHER C POYNTER | 4823 OLD KINGSTON PIKE #205 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $30K | $0 | $30K | 1.45% |
| GROUP INSURANCE SERVICES INC3 | 11504 NASSAU DR KNOXVILLE, TN 37934 | USABLE LIFE | $16K | $0 | $16K | 10.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | USABLE LIFE | $14K | $0 | $14K | 9.16% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 4823 OLD KINGSTON PIKE #300 KNOXVILLE, TN 37919 | USABLE LIFE | $7K | $0 | $7K | 4.92% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 276 | $2.0M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 276 | $2.0M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 276 | $2.0M |
| Life insurance | USABLE LIFE | 184 | $152K |
| Short-term disability | USABLE LIFE | 184 | $152K |
| Long-term disability | USABLE LIFE | 184 | $152K |
| Other | USABLE LIFE | 184 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.