| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRADLEY JENKINS3 | 127 W HIGHWAY 25/70 DANDRIDGE, TN 37725 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $24K | — | $24K | 2.90% |
| COLE HARRIS3 | 9648 KINGSTON PK SUITE 8 KNOXVILLE, TN 37922 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $23K | — | $23K | 2.77% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 15.21% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $1K | — | $1K | 7.60% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CONSULTANTS, LLC | 127 W HIGHWAY 25/70 SUITE A DANDRIDGE, TN 37725 | USABLE LIFE | $1K | — | $1K | 7.60% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | USABLE LIFE | $244 | — | $244 | 1.50% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $561 | — | $561 | 13.34% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $281 | — | $281 | 6.68% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CONSULTANTS, LLC | 127 W HIGHWAY 25/70 SUITE A DANDRIDGE, TN 37725 | USABLE LIFE | $281 | — | $281 | 6.68% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, AA 30115 | USABLE LIFE | $64 | — | $64 | 1.52% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $268 | — | $268 | 7.09% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $230 | — | $230 | 6.08% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CONSULTANTS, LLC | 127 W HIGHWAY 25/70 SUITE A DANDRIDGE, TN 37725 | USABLE LIFE | $230 | — | $230 | 6.08% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | USABLE LIFE | $58 | — | $58 | 1.53% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 310 | $832K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 310 | $832K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 310 | $832K |
| Life insurance(2 contracts) | USABLE LIFE | 217 | $20K |
| Other(2 contracts) | USABLE LIFE | 217 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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."
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.