| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUSTIN WHITE3 | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $39K | $0 | $39K | 7.47% |
| BROCK & SPENCER BENEFITS3 Filed as: BROCK AND SPENCER BENEFITS LLC | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $2K | $10K | 12.68% |
| JS BENEFITS INC3 | 3800 COLONNADE PARKWAY SUITE 540 BIRMINGHAM, AL 35243 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TX HWY S BLDG II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $669 | $669 | 0.84% |
| BROCK & SPENCER BENEFITS3 Filed as: BROCK AND SPENCER BENEFITS LLC | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | AMERITAS LIFE INSURANCE CORPORATION | $6K | $286 | $7K | 10.44% |
| BROCK & SPENCER BENEFITS3 Filed as: BROCK AND SPENCER BENEFITS LLC | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $489 | $4K | 11.60% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $187 | $187 | 0.61% |
| BROCK & SPENCER BENEFITS3 Filed as: BROCK & SPENCER LLC | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 21.87% |
| KATHERINE LANDERS3 | 4748 PRIVATEER RD HIXSON, TN 37343 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 14.50% |
| KATHERINE LANDERS3 Filed as: KATHERINE F LANDERS | 4748 PRIVATEER RD HIXSON, TN 37343 | AFLAC | $1K | $593 | $2K | 9.71% |
| BROCK & SPENCER BENEFITS3 Filed as: BROCK & SPENCER BENEFITS LLC | P.O. BOX 460 ROSSVILLE, GA 30741 | AFLAC | $1K | $0 | $1K | 6.78% |
| WAYNE G MCMEEN3 | 7902 COVE RIDGE DRIVE HIXSON, TN 37343 | AFLAC | $589 | $119 | $708 | 3.49% |
| SHARON SESSOMS3 | 1431 ONEAL RD HIXSON, TN 37343 | AFLAC | $500 | $0 | $500 | 2.46% |
| ELIZABETH E REEVES3 | 6148 LEE HWY STE 106B CHATTANOOGA, TN 37421 | AFLAC | $310 | $113 | $423 | 2.08% |
| VBTN, INC3 Filed as: VBTN INC | 301 MALLORY STATION RD STE 100 FRANKLIN, TN 37067 | AFLAC | $243 | $119 | $362 | 1.78% |
| ALAN W FOSTER3 | 8696 RAMBLING ROSE DRIVE OOLTEWAH, TN 37363 | AFLAC | $180 | $6 | $186 | 0.92% |
| CHRISTOPHER G RICHARDSON3 | 1011 NORFOLK GREEN CR CHATTANOOGA, TN 37421 | AFLAC | $17 | $0 | $17 | 0.08% |
| DONNA JACKSON3 Filed as: DONNA G JACKSON | 4570 FIRE PINK TRAIL CHATTANOOGA, TN 37415 | AFLAC | $16 | $0 | $16 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | P.O. BOX 70 WEST POINT, GA 31833 | AFLAC | $12 | $0 | $12 | 0.06% |
| HOLLY M MCCORMACK3 | 3914 MELINDA CIR CHATTANOOGA, TN 37416 | AFLAC | $11 | $0 | $11 | 0.05% |
| DANIEL MATHIS3 | 6477 BROOKMEAD CIR HIXSON, TN 37343 | AFLAC | $9 | $0 | $9 | 0.04% |
| RILEY GRAVES3 | 281 WADDELL RD SW CLEVELAND, TN 37311 | AFLAC | $8 | $0 | $8 | 0.04% |
| MCINTIRE & ASSOCIATES3 | 355 FIRST STREET CLEVELAND, TN 37311 | AFLAC | $6 | $0 | $6 | 0.03% |
| HAYS COMPANIES, INC.3 Filed as: SCOTT HAYES | 1140 JAMES BLVD SIGNAL MOUNTAIN, TN 37377 | AFLAC | $4 | $0 | $4 | 0.02% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $3 | $0 | $3 | 0.01% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $3 | $0 | $3 | 0.01% |
| IVAN RIDEN3 | 11126 DOLLY POND RD BIRCHWOOD, TN 37308 | AFLAC | $2 | $0 | $2 | 0.01% |
| BROCK & SPENCER BENEFITS3 Filed as: BROCK AND SPENCER BENEFITS LLC | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | UNION SECURITY INSURANCE COMPANY | $47 | $0 | $47 | 14.97% |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 130 | $522K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 110 | $65K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 110 | $65K |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 204 | $140K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 3 | $314 |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 159 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.