| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEREDITH ATKINSON3 Filed as: MEREDITH SHEETZ | 12607 WEATHERSTONE DR KNOXVILLE, TN 37922 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $20K | — | $20K | 6.79% |
| BENEFITS INC | PO BOX 568 DICKSON, TN 37056 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 14.12% |
| PEACHTREE PLANNING OF GEORGIA | 5040 ROSWELL RD ATLANTA, GA 30342 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $172 | — | $172 | 0.28% |
| BENEFIITS INC | 110 MATHIS DR DICKSON, TN 37055 | USABLE LIFE | $2K | $19 | $2K | 15.08% |
| GROUP INSURANCE SERVICES INC | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 14.94% |
| BENEFIITS INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | HEALTH RESOURCES INC | $258 | — | $258 | 7.01% |
| EMPLOYEE BENEFIT SPECIALISTS Filed as: EMPLOYEE BENEFITS SPECIALISTS | 345 MONTVUE AVE MORRISTOWN, TN 37813 | HEALTH RESOURCES INC | $110 | — | $110 | 2.99% |
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 | 90 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 45 | $292K |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 90 | $64K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 90 | $64K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 90 | $61K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 90 | $61K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 90 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 90 | — |
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.