| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIM EACHUS3 | 246 EAST 11TH ST STE 302 CHATTANOOGA, TN 37402 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $29K | $0 | $29K | 6.04% |
| RUSS BLAKELY & ASSOCIATES LLC3 | 246 EAST 11TH ST STE 302 CHATTANOOGA, TN 37402 | DELTA DENTAL OF TENNESSEE | $2K | $0 | $2K | 6.50% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 E 11TH ST STE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 E 11TH ST STE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 6.36% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 EAST 11TH ST STE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 E 11TH STREET STE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $949 | $949 | 6.21% |
| RUSS BLAKELY & ASSOCIATES LLC3 Filed as: RUSS BLAKELY & ASSOCIATES | 246 EAST 11TH ST STE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 E 11TH ST STE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $768 | $768 | 5.89% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 E 11TH ST STE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| RUSS BLAKELY & ASSOCIATES LLC3 Filed as: RUSS BLAKELY & ASSOCIATES | 246 EAST 11TH ST STE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $642 | $642 | 5.82% |
| RUSS BLAKELY & ASSOCIATES LLC3 | 246 EAST 11TH ST STE 302 2ND FLOOR S. CHATTANOOGA, TN 37402 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $958 | $0 | $958 | 10.00% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 EAST 11TH ST STE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $485 | $0 | $485 | 10.01% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 E 11TH STREET STE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $340 | $340 | 7.02% |
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 | 299 | 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) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 124 | $484K |
| Dental | DELTA DENTAL OF TENNESSEE | 141 | $36K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 106 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $32K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 50 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 25 | $5K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 201 | $32K |
| 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.