| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUSTIN WHITE3 | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | $40K | $0 | $40K | 6.88% |
| BROCK & SPENCER BENEFITS3 Filed as: BROCK AND SPENCER BENEFITS LLC | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $708 | $7K | 11.05% |
| JS BENEFITS INC3 | 3800 COLONNADE PARKWAY SUITE 540 BIRMINGHAM, AL 35243 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 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 | $2K | $2K | 2.24% |
| BROCK & SPENCER BENEFITS3 Filed as: BROCK & SPENCER BENEFITS LLC | 824 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $0 | $9K | 15.00% |
| BROCK & SPENCER BENEFITS3 Filed as: BROCK AND SPENCER BENEFITS LLC | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | AMERITAS LIFE INSURANCE CORPORATION | $6K | $1K | $7K | 11.93% |
| BROCK & SPENCER BENEFITS3 Filed as: BROCK & SPENCER | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.02% |
| KATHERINE LANDERS3 | 4748 PRIVATEER ROAD HIXSON, TN 37343 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.90% |
| BROCK & SPENCER BENEFITS3 | P.O. BOX 460 ROSSVILLE, GA 30741 | AFLAC | $809 | $0 | $809 | 5.27% |
| KATHERINE LANDERS3 | 4748 PRIVATEER ROAD HIXSON, TN 37343 | AFLAC | $809 | $0 | $809 | 5.27% |
| WAYNE G MCMEEN3 Filed as: WAYNE MCMEEN | 7902 COVE RIDGE DRIVE HIXSON, TN 37343 | AFLAC | $401 | $0 | $401 | 2.61% |
| SHARON SESSOMS3 | 1431 ONEAL ROAD HIXSON, TN 37343 | AFLAC | $326 | $0 | $326 | 2.13% |
| ELIZABETH E REEVES3 Filed as: ELIZABETH REEVES | 6148 LEE HWY SUITE 106B CHATTANOOGA, TN 37421 | AFLAC | $160 | $0 | $160 | 1.04% |
| VBTN, INC3 Filed as: VBTN INC | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $106 | $0 | $106 | 0.69% |
| ALAN W FOSTER3 Filed as: ALAN FOSTER | 8696 RAMBLING ROSE DRIVE OOLTEWAH, TN 37363 | AFLAC | $100 | $0 | $100 | 0.65% |
| ALAN W FOSTER3 | 716 FRENCH RIVER RD NOLENSVILLE, TN 37135 | AFLAC | $66 | $0 | $66 | 0.43% |
| DONNA JACKSON3 | 4570 FIRE PINK TRAIL CHATTANOOGA, TN 37415 | AFLAC | $38 | $0 | $38 | 0.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER | P.O. BOX 70 WEST POINT, GA 31833 | AFLAC | $30 | $0 | $30 | 0.20% |
| RILEY GRAVES3 | 281 WADDELL ROAD CLEVELAND, TN 37311 | AFLAC | $19 | $0 | $19 | 0.12% |
| CHRISTOPHER R MORRIS3 Filed as: CHRISTOPHER RICHARDSON | 1011 NORFOLK GREEN CR CHATTANOOGA, TN 37421 | AFLAC | $13 | $0 | $13 | 0.08% |
| DANIEL MATHIS3 | 6477 BROOKMEAD CIRCLE HIXSON, TN 37343 | AFLAC | $8 | $0 | $8 | 0.05% |
| JAY OLEARY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $6 | $0 | $6 | 0.04% |
| MCINTIRE & ASSOCIATES3 | 355 FIRST STREET NW CLEVELAND, TN 37311 | AFLAC | $5 | $0 | $5 | 0.03% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $3 | $0 | $3 | 0.02% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $3 | $0 | $3 | 0.02% |
| BRENT GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $3 | $0 | $3 | 0.02% |
| CHRISTOPHER R MORRIS3 Filed as: CHRISTOPHER RICHARDSON | 103 CHEROKEE BLVD SUITE 225 CHATTANOOGA, TN 37215 | AFLAC | $3 | $0 | $3 | 0.02% |
| JOSEPH LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $1 | $0 | $1 | 0.01% |
| CARLA WITHERINGTON3 | 1405 HERRING DRIVE COVINGTON, TN 38019 | AFLAC | $1 | $0 | $1 | 0.01% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | 145 | $576K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 111 | $59K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 111 | $59K |
| Life insurance(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $152K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 177 | $61K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 177 | $61K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 177 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.