| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONNA BAKER3 | 1120 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $67K | $0 | $67K | 1.56% |
| ANDREW RADER3 | 200 PROSPERITY DRIVE, SUITE 122 KNOXVILLE, TN 37923 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $14K | $0 | $14K | 0.33% |
| CHARLES L. ARLEDGE3 Filed as: CHARLES ARLEDGE | 1 CONCOURSE PARKWAY NE, SUITE 700 ATLANTA, GA 30328 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $7K | $0 | $7K | 0.16% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | USABLE LIFE | $27K | $0 | $27K | 13.82% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $22K | $0 | $22K | 11.07% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | $5K | $0 | $5K | 2.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SE, INC. | 29982 NETWORK PLACE CHICAGO, IL 60673 | USABLE LIFE | $0 | $7 | $7 | 0.00% |
| MCINTIRE & ASSOCIATES3 Filed as: MCINTIRE AND ASSOCIATES | 355 1ST STREET NW CLEVELAND, TN 37311 | AFLAC | $2K | $0 | $2K | 7.05% |
| JEFFREY ALLEN GOVERO3 | 2804 WESDELL LANE NW CLEVELAND, TN 37312 | AFLAC | $1K | $56 | $1K | 4.97% |
| ETHAN GREER3 | 3253 EAST MALLORY BOULEVARD JUPITER, FL 33458 | AFLAC | $923 | $13 | $936 | 3.56% |
| MJ INSURANCE3 Filed as: DANIEL C. MATHIS AND VARIOUS AGENTS | 6477 BROOKMEAD CIRCLE HIXSON, TN 37343 | AFLAC | $842 | $0 | $842 | 3.20% |
| ELIZABETH E REEVES3 Filed as: ELIZABETH E. REEVES | 3622 ALTAMIRA DRIVE CHATTANOOGA, TN 37412 | AFLAC | $449 | $0 | $449 | 1.71% |
| CHRISTOPHER G RICHARDSON3 Filed as: CHRISTOPHER G. RICHARDSON | 1011 NORTFOLK GREEN CIRCLE CHATTANOOGA, TN 37421 | AFLAC | $343 | $0 | $343 | 1.30% |
| SHARON MAY LINDSAY3 Filed as: SHARON B. SESSOMS | 1431 ONEAL ROAD HIXSON, TN 37343 | AFLAC | $246 | $0 | $246 | 0.93% |
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 | 523 | 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) | 523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 955 | $4.3M |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 955 | $4.3M |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 955 | $4.3M |
| Life insurance | USABLE LIFE | 523 | $197K |
| Short-term disability | USABLE LIFE | 523 | $197K |
| Long-term disability | USABLE LIFE | 523 | $197K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 955 | $4.3M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 523 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 955 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.