| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH LACHER3 Filed as: JOSEPH DEYO | 6213 CHARLOTTE PIKE NASHVILLE, TN 37209 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $68K | $0 | $68K | 3.51% |
| MATTHEW B MORASKI3 Filed as: MATTHEW C. PAXTON | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $28K | $0 | $28K | 1.46% |
| DIVERSIFY INSURANCE, INC.3 | 9017 SOUTH RIVERSIDE DRIVE SUITE 200 SANDY, UT 84070 | SELECTHEALTH | $28K | $5K | $33K | 3.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | SELECTHEALTH | $25K | $0 | $25K | 2.56% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $13K | $0 | $13K | 13.10% |
| JJZ INSURANCE AGENCY3 | 6213 CHARLOTTE PIKE NASHVILLE, TN 37209 | USABLE LIFE | $9K | $0 | $9K | 8.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | USABLE LIFE | $7K | $0 | $7K | 6.83% |
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 | 858 | 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) | 858 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 508 | $2.9M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 508 | $2.9M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 508 | $1.9M |
| Life insurance | USABLE LIFE | 858 | $99K |
| Short-term disability | USABLE LIFE | 858 | $99K |
| Prescription drug | SELECTHEALTH | 388 | $964K |
| Other | USABLE LIFE | 858 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 858 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.