| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRENT WICK3 | 346 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $10K | — | $10K | 8.05% |
| RUSS BLAKELY & ASSOCIATES LLC3 | PO BOX 11310 CHATTANOOGA, TN 37401 | USABLE LIFE | $10K | $114 | $10K | 15.17% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $10K | — | $10K | 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 | 6.59% |
| 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 | $515 | — | $515 | 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 | 6.60% |
| RUSS BLAKELY & ASSOCIATES LLC3 | PO BOX 11310 CHATTANOOGA, TN 37401 | USABLE LIFE | $6K | $949 | $7K | 23.71% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 5.85% |
| RUSS BLAKELY & ASSOCIATES LLC3 Filed as: RUSS BLAKELY & ASSOCIATES, LLC | PO BOX 11310 CHATTANOOGA, TN 37401 | USABLE LIFE | $2K | $460 | $2K | 14.68% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $711 | — | $711 | 4.97% |
| RUSS BLAKELY & ASSOCIATES LLC3 | PO BOX 11310 CHATTANOOGA, TN 37401 | USABLE LIFE | $900 | $49 | $949 | 15.82% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $900 | — | $900 | 15.01% |
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 | 708 | 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) | 710 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 505 | $129K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 505 | $129K |
| Life insurance(2 contracts) | USABLE LIFE | 674 | $113K |
| Short-term disability | USABLE LIFE | 194 | $67K |
| Long-term disability | USABLE LIFE | 674 | $52K |
| Other(5 contracts) | USABLE LIFE | 674 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 674 | — |
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.