| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRENT WICK3 | C/O WILLIAM R BLAKELY 620 LINSAY DR STE 201 CHATTANOOGA, TN 37403 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | $52K | — | $52K | 5.63% |
| RUSS BLAKELY & ASSOCIATES LLC3 Filed as: RUSS BLAKELY | 620 LINSAY DR STE 201 CHATTANOOGA, TN 37403 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | $4K | — | $4K | 0.40% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | — | $1K | 12.45% |
| BLAKELY, WILLIAM R3 Filed as: BLAKELY, WILLIAM | PO BOX 11310 CHATTANOOGA, TN 37401 | USABLE LIFE | $915 | — | $915 | 9.08% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | — | $1K | 13.26% |
| BLAKELY, WILLIAM R3 Filed as: BLAKELY, WILLIAM | PO BOX 11310 CHATTANOOGA, TN 37401 | USABLE LIFE | $831 | — | $831 | 9.28% |
| WILLIAM R BLAKELY3 | P.O. BOX 11310 CHATTANOOGA, TN 37401 | GUARDIAN | $499 | — | $499 | 11.59% |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | 299 | $924K |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | 299 | $924K |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | 299 | $924K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 159 | $14K |
| Long-term disability(2 contracts, 2 carriers) | USABLE LIFE | 159 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.