| 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. | $30K | $0 | $30K | 6.38% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 E 11TH ST STE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.57% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 E 11TH ST STE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $713 | $713 | 3.64% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $664 | $0 | $664 | 3.39% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 EAST 11TH ST STE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.88% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $761 | $0 | $761 | 4.60% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 E 11TH STREET STE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $579 | $579 | 3.50% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 EAST 11TH ST STE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.02% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $771 | $0 | $771 | 5.28% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 E 11TH ST STE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $486 | $486 | 3.33% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 E 11TH ST STE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $731 | $0 | $731 | 6.70% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 EAST 11TH ST STE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $412 | $412 | 3.78% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $392 | $0 | $392 | 3.59% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 EAST 11TH ST STE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $369 | $0 | $369 | 6.46% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 E 11TH STREET STE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $191 | $191 | 3.34% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $185 | $0 | $185 | 3.24% |
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 | 324 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 106 | $477K |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 106 | $477K |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 106 | $477K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $34K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 55 | $27K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 22 | $6K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 202 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.