| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HANES TORBETT | 2306 KNOB CREEK RD STE 104 JOHNSON CITY, TN 37604 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $46K | — | $46K | 5.47% |
| PAM LAWHORN | 735 BROAD STREET STE 100 CHATTANOOGA, TN 37401 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $3K | — | $3K | 0.35% |
| INSGROUP INC Filed as: CORPORATE INSURANCE GROUP OF EAST T | 2306 KNOB CREEK RD STE 104 JOHNSON CITY, TN 37604 | GUARDIAN | $22K | $0 | $22K | 12.54% |
| FORESTER BENEFITS MANAGEMENT LLC Filed as: FORESTER BENEFIT MANAGMENT | 8081 KINGSTON PIKE STE 50 KNOXVILLE, TN 37919 | GUARDIAN | $806 | — | $806 | 0.47% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 235 | $838K |
| Dental | GUARDIAN | 159 | $173K |
| Vision | GUARDIAN | 159 | $173K |
| Long-term disability | GUARDIAN | 159 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.