| 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. | $10K | — | $10K | 7.50% |
| RUSS BLAKELY & ASSOCIATES LLC3 Filed as: RUSS BLAKELY | PO BOX 11310 CHATTANOOGA, TN 37401 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $13 | — | $13 | 0.01% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $12K | — | $12K | 15.00% |
| RUSS BLAKELY & ASSOCIATES LLC3 | PO BOX 11310 CHATTANOOGA, TN 37401 | USABLE LIFE | $12K | — | $12K | 15.00% |
| RUSS BLAKELY & ASSOCIATES LLC3 | PO BOX 11310 CHATTANOOGA, TN 37401 | USABLE LIFE | $10K | — | $10K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $4K | — | $4K | 6.57% |
| RUSS BLAKELY & ASSOCIATES LLC3 | PO BOX 11310 CHATTANOOGA, TN 37401 | USABLE LIFE | $8K | — | $8K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $557 | — | $557 | 1.00% |
| RUSS BLAKELY & ASSOCIATES LLC3 | PO BOX 11310 CHATTANOOGA, TN 37401 | USABLE LIFE | $7K | — | $7K | 15.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 6.56% |
| RUSS BLAKELY & ASSOCIATES LLC3 | PO BOX 11310 CHATTANOOGA, TN 37401 | USABLE LIFE | $9K | — | $9K | 22.46% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 6.97% |
| RUSS BLAKELY & ASSOCIATES LLC3 Filed as: RUSS BLAKELY & ASSOCIATES, LLC | PO BOX 11310 CHATTANOOGA, TN 37401 | USABLE LIFE | $3K | — | $3K | 14.79% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $882 | — | $882 | 4.99% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $971 | — | $971 | 15.00% |
| RUSS BLAKELY & ASSOCIATES LLC3 | PO BOX 11310 CHATTANOOGA, TN 37401 | USABLE LIFE | $971 | — | $971 | 15.00% |
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 | 662 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 664 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 526 | $128K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 526 | $128K |
| Life insurance(2 contracts) | USABLE LIFE | 652 | $126K |
| Short-term disability | USABLE LIFE | 194 | $66K |
| Long-term disability | USABLE LIFE | 651 | $56K |
| Other(5 contracts) | USABLE LIFE | 652 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 652 | — |
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.