| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEREDITH ATKINSON3 Filed as: MEREDITH SCHEETZ | 12607 WEATHERSTONE DR KNOXVILLE, TN 37922 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | $80K | — | $80K | 3.73% |
| UNITED FINANCIAL SERVICES INC3 Filed as: UNITED FINANCIAL SERVICES | 6400 C STREET SW MS P40 CEDAR RAPIDS, IA 52499 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.52% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PKWY STE 1100 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $590 | — | $590 | 2.30% |
| MEREDITH E ATKINSON3 | 12607 WEATHERSTONE DR KNOXVILLE, TN 37922 | TRANSAMERICA LIFE INSURANCE COMPANY | $270 | — | $270 | 1.05% |
| EDWARD B SIMS3 | PO BOX 10328 KNOXVILLE, TN 37939 | TRANSAMERICA LIFE INSURANCE COMPANY | $67 | — | $67 | 0.26% |
| MITCHELL H BESVINICK3 | 1280 BRIGHTON WAY NEWTON SQUARE, PA 19073 | TRANSAMERICA LIFE INSURANCE COMPANY | $13 | — | $13 | 0.05% |
| GROUP BENEFITS LTD3 Filed as: GROUP INSURANCE INC | 1 CAMERON HILL CIR 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $531 | — | $531 | 15.87% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | USABLE LIFE | $413 | — | $413 | 12.35% |
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 | 241 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | 441 | $2.1M |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | 441 | $2.1M |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | 441 | $2.1M |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 107 | $26K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 107 | $26K |
| Long-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 107 | $26K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 237 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.