| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUSTIN WHITE3 | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | $38K | $0 | $38K | 5.63% |
| JUSTIN WHITE3 | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $38K | $0 | $38K | 5.63% |
| BROCK & SPENCER BENEFITS3 Filed as: BROCK AND SPENCER BENEFITS LLC | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.81% |
| JS BENEFITS INC3 | 3800 COLONNADE PARKWAY SUITE 540 BIRMINGHAM, AL 35243 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 10.81% |
| 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 | $992 | $992 | 1.41% |
| BROCK & SPENCER BENEFITS3 Filed as: BROCK & SPENCER BENEFITS LLC | 824 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $2K | $11K | 17.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TX HWY 2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $612 | $612 | 1.01% |
| BIA BENEFITS CONSULTING LLC3 Filed as: BIA BENEFITS CONSULTING, LLC | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | AMERITAS LIFE INSURANCE CORPORATION | $5K | $733 | $6K | 11.53% |
| KATHERINE LANDERS3 | 4748 PRIVATEER ROAD HIXSON, TN 37343 | AFLAC | $730 | $63 | $793 | 4.42% |
| BIA BENEFITS CONSULTING LLC3 Filed as: BIA BENEFITS CONSULTING, LLC | P.O. BOX 460 ROSSVILLE, GA 30741 | AFLAC | $739 | $0 | $739 | 4.12% |
| WAYNE G MCMEEN3 Filed as: WAYNE MCMEEN | 7902 COVE RIDGE DRIVE HIXSON, TN 37343 | AFLAC | $420 | $13 | $433 | 2.41% |
| SHARON SESSOMS3 | 1431 ONEAL ROAD HIXSON, TN 37343 | AFLAC | $346 | $0 | $346 | 1.93% |
| ELIZABETH E REEVES3 Filed as: ELIZABETH REEVES | 6148 LEE HWY SUITE 106B CHATTANOOGA, TN 37421 | AFLAC | $177 | $0 | $177 | 0.99% |
| ALAN W FOSTER3 Filed as: ALAN FOSTER | 8696 RAMBLING ROSE DRIVE OOLTEWAH, TN 37363 | AFLAC | $123 | $13 | $136 | 0.76% |
| VBTN, INC3 Filed as: VBTN INC | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $123 | $0 | $123 | 0.69% |
| DONNA JACKSON3 | 4570 FIRE PINK TRAIL CHATTANOOGA, TN 37415 | AFLAC | $50 | $0 | $50 | 0.28% |
| JAY S OLEARY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $27 | $0 | $27 | 0.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER | P.O. BOX 70 WEST POINT, GA 31833 | AFLAC | $27 | $0 | $27 | 0.15% |
| RILEY GRAVES3 | 281 WADDELL ROAD CLEVELAND, TN 37311 | AFLAC | $25 | $0 | $25 | 0.14% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 103 CHEROKEE BLVD SUITE 225 CHATTANOOGA, TN 37215 | AFLAC | $20 | $0 | $20 | 0.11% |
| CHRISTOPHER R MORRIS3 Filed as: CHRISTOPHER RICHARDSON | 1011 NORFOLK GREEN CR CHATTANOOGA, TN 37421 | AFLAC | $19 | $0 | $19 | 0.11% |
| ELIZABETH E REEVES3 | 103 CHEROKEE BLVD SUITE 225 CHATTANOOGA, TN 37405 | AFLAC | $14 | $0 | $14 | 0.08% |
| ELIZABETH E REEVES3 | 103 CHEROKEE BLVD SUITE 225 CHATTANOOGA, TN 37405 | AFLAC | $14 | $0 | $14 | 0.08% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $13 | $0 | $13 | 0.07% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $13 | $0 | $13 | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | P.O. BOX 70 WEST POINT, GA 31833 | AFLAC | $12 | $0 | $12 | 0.07% |
| DANIEL MATHIS3 | 6477 BROOKMEAD CIRCLE HIXSON, TN 37343 | AFLAC | $10 | $0 | $10 | 0.06% |
| MCINTIRE & ASSOCIATES3 | 355 FIRST STREET NW CLEVELAND, TN 37311 | AFLAC | $7 | $0 | $7 | 0.04% |
| BRENT GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $4 | $0 | $4 | 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% |
| BROCK & SPENCER BENEFITS3 Filed as: BROCK & SPENCER | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.23% |
| KATHERINE LANDERS3 | 4748 PRIVATEER ROAD HIXSON, TN 37343 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $716 | $0 | $716 | 4.02% |
| RICHARD D BARRY3 | 4710 CREEK POINT LANE SIGNAL MOUNTAIN, TN 37377 | TRANSAMERICA LIFE INSURANCE COMPANY | $513 | $0 | $513 | 4.67% |
| EDWARD E MCCUISTION3 Filed as: EDWARD MCCUISTION | 1827 CREEK WAY DRIVE OOLTEWLH, TN 37363 | TRANSAMERICA LIFE INSURANCE COMPANY | $145 | $0 | $145 | 1.32% |
| BIA BENEFITS CONSULTING LLC3 Filed as: BIA BENEFITS CONSULTING | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | TRANSAMERICA LIFE INSURANCE COMPANY | $112 | $0 | $112 | 1.02% |
| HARRIET H CLARK3 | 2108 SARGENT DALY DRIVE CHATTANOOGA, TN 37421 | TRANSAMERICA LIFE INSURANCE COMPANY | $59 | $0 | $59 | 0.54% |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | 140 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 237 | $48K |
| Life insurance(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 185 | $160K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 185 | $60K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 185 | $60K |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 185 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.