| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUSTIN WHITE3 | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | $37K | $0 | $37K | 6.52% |
| BIA BENEFITS CONSULTING LLC3 Filed as: BIA BENEFITS CONSULTING, LLC | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| JS BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | 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 | $901 | $901 | 1.23% |
| BIA BENEFITS CONSULTING LLC3 Filed as: BIA BENEFITS CONSULTING, LLC | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 15.00% |
| 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 | $228 | $228 | 0.41% |
| BIA BENEFITS CONSULTING LLC3 Filed as: BIA BENEFITS CONSULTING, LLC | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | AMERITAS LIFE INSURANCE CORP | $5K | $1K | $6K | 12.14% |
| BIA BENEFITS CONSULTING LLC3 Filed as: BIA BENEFITS CONSULTING, LLC | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | AMERITAS LIFE INSURANCE CORPORATION | $1K | $1K | $2K | 19.85% |
| RICHARD D BARRY3 | 4710 CREEK POINT LAKE SIGNAL MOUNTAIN, TN 37377 | TRANSAMERICA LIFE INSURANCE COMPANY | $430 | $0 | $430 | 4.42% |
| EDWARD E MCCUISTION3 | 1827 CREEK WAY DRIVE OOLTEWLH, TN 37363 | TRANSAMERICA LIFE INSURANCE COMPANY | $129 | $0 | $129 | 1.32% |
| BIA BENEFITS CONSULTING LLC3 | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | TRANSAMERICA LIFE INSURANCE COMPANY | $116 | $0 | $116 | 1.19% |
| HARRIET H CLARK3 | 2108 SARGENT DALY DRIVE CHATTANOOGA, TN 37421 | TRANSAMERICA LIFE INSURANCE COMPANY | $59 | $0 | $59 | 0.61% |
| BIA BENEFITS CONSULTING LLC3 Filed as: BIA BENEFITS CONSULTING, LLC | P.O. BOX 460 ROSSVILLE, GA 30741 | AFLAC | $946 | $0 | $946 | — |
| KATHERINE LANDERS3 | 4748 PRIVATEER ROAD HIXSON, TN 37343 | AFLAC | $425 | $14 | $439 | — |
| DEBORAH A MINGO3 Filed as: DEBORAH MINGO | 5593 SEAGRIVE LANE HIXSON, TN 37343 | AFLAC | $376 | $0 | $376 | — |
| SHARON SESSOMS3 | 1431 ONEAL ROAD HIXSON, TN 37343 | AFLAC | $337 | $0 | $337 | — |
| WAYNE G MCMEEN3 Filed as: WAYNE MCMEEN | 7902 COVE RIDGE DRIVE HIXSON, TN 37343 | AFLAC | $331 | $3 | $334 | — |
| ELIZABETH E REEVES3 Filed as: ELIZABETH REEVES | 6148 LEE HWY SUITE 106B CHATTANOOGA, TN 37421 | AFLAC | $154 | $0 | $154 | — |
| VBTN, INC3 Filed as: VBTN INC | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $97 | $0 | $97 | — |
| ALAN W FOSTER3 Filed as: ALAN FOSTER | 8696 RAMBLING ROSE DRIVE OOLTEWAH, TN 37363 | AFLAC | $66 | $0 | $66 | — |
| DONNA JACKSON3 | 4570 FIRE PINK TRAIL CHATTANOOGA, TN 37415 | AFLAC | $42 | $0 | $42 | — |
| JAMES SMITH3 Filed as: JAMES B SMITH | 103 CHEROKEE BLVD SUITE 225 CHATTANOOGA, TN 37215 | AFLAC | $34 | $0 | $34 | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3209 S CHEROKEE LANE SUITE 510 WEST POINT, GA 31833 | AFLAC | $33 | $0 | $33 | — |
| JAY S OLEARY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $21 | $0 | $21 | — |
| RILEY GRAVES3 | 281 WADDELL ROAD CLEVELAND, TN 37311 | AFLAC | $21 | $0 | $21 | — |
| CHRISTOPHER R MORRIS3 Filed as: CHRISTOPHER RICHARDSON | 1011 NORFOLK GREEN CR CHATTANOOGA, TN 37421 | AFLAC | $16 | $0 | $16 | — |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $10 | $0 | $10 | — |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $10 | $0 | $10 | — |
| DANIEL MATHIS3 | 6477 BROOKMEAD CIR HIXSON, TN 37343 | AFLAC | $9 | $0 | $9 | — |
| MCINTIRE & ASSOCIATES3 | 355 FIRST STREET NW CLEVELAND, TN 37311 | AFLAC | $6 | $0 | $6 | — |
| BRENT GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $3 | $0 | $3 | — |
| KACY A GRUENKEMEYER3 | 177 RICHLAND HILLS DRIVE MANCHESTER, TX 37355 | AFLAC | $2 | $0 | $2 | — |
| JOSEPH LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $1 | $0 | $1 | — |
| CARLA WITHERINGTON3 | 1405 HERRING DRIVE COVINGTON, TN 38019 | AFLAC | $1 | $0 | $1 | — |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | 149 | $560K |
| Dental | AMERITAS LIFE INSURANCE CORP | 97 | $52K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 90 | $11K |
| Life insurance(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 176 | $138K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 176 | $55K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 176 | $55K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 176 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.