| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RENEWAL3 | 800 MARKET ST STE 205 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $3K | $3K | 5.75% |
| RELIANCE BENEFITS, LLC3 Filed as: RELIANCE BENEFITS LLC | 555 WALNUT ST #400, CHATTANOOGA, TN 37402 | AMERICAN UNITED LIFE INSURANCE COMPANY | $10K | — | $10K | 18.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 8 CADILLAC DRIVE,CREEKSIDE CROSSING BRENTWOOD, TN 37027 | AMERICAN UNITED LIFE INSURANCE COMPANY | -$2K | — | -$2K | -3.45% |
| RELIANCE BENEFITS, LLC3 Filed as: RELIANCE BENEFITS LLC | 800 MARKET STREET SUITE 213 CHATTANOOGA, TN 37402 | GUARDIAN | $5K | $490 | $6K | 20.33% |
| TRUE NETWORK ADVISORS3 | 383 GUNTER AVE GUNTERSVILLE, AL 35976 | GUARDIAN | $290 | — | $290 | 1.00% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 201 | $56K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 201 | $56K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 201 | $56K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 137 | $55K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 137 | $55K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 137 | $55K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 201 | $56K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 137 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.