| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRENT WICK3 | 246 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $54K | — | $54K | 5.72% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4823 OLD KINGSTON PIKE SUITE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 6.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $870 | $3K | 5.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.76% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.31% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4823 OLD KINGSTON PIKE SUITE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 8.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $876 | $3K | 5.08% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $863 | — | $863 | 1.73% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4823 OLD KINGSTON PIKE SUITE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 8.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $780 | $2K | 5.05% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $774 | — | $774 | 1.72% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4823 OLD KINGSTON PIKE SUITE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 9.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $631 | $3K | 7.10% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.48% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4823 OLD KINGSTON PIKE SUITE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $762 | $2K | 8.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $740 | $390 | $1K | 5.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $870 | $870 | 3.89% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $379 | — | $379 | 1.70% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRRYSTYN SHERMAN PARTNERS L | 4823 OLD KINGSTON PIKE SUITE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $533 | $2K | 12.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $393 | $2K | 9.61% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $549 | — | $549 | 3.34% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 112 | $942K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 112 | $942K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 112 | $942K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 280 | $76K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 278 | $45K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 278 | $50K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 280 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.