| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN DAVIS3 | 800 MARKET ST STE 205 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $74K | — | $74K | 3.59% |
| RELIANCE BENEFITS, LLC3 | 800 MARKET ST STE 213 CHATTANOOGA, TN 37402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $335 | $8K | 17.06% |
| RELIANCE BENEFITS, LLC3 | 800 MARKET ST STE 213 CHATTANOOGA, TN 37402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $289 | $7K | 17.25% |
| RELIANCE BENEFITS, LLC3 | 800 MARKET ST STE 213 CHATTANOOGA, TN 37402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $188 | $4K | 17.49% |
| RELIANCE BENEFITS, LLC3 | 800 MARKET ST STE 213 CHATTANOOGA, TN 37402 | UNUM INSURANCE COMPANY | $4K | $307 | $4K | 17.18% |
| RELIANCE BENEFITS, LLC3 | 800 MARKET ST STE 213 CHATTANOOGA, TN 37402 | UNUM INSURANCE COMPANY | $3K | $180 | $3K | 17.28% |
| RELIANCE BENEFITS, LLC3 | 800 MARKET ST STE 213 CHATTANOOGA, TN 37402 | UNUM INSURANCE COMPANY | $3K | $177 | $3K | 17.68% |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 395 | $2.1M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 395 | $2.1M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 395 | $2.1M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $70K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 87 | $39K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $45K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 395 | $2.1M |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 281 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.