| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUSTIN WHITE3 | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | $43K | $0 | $43K | 5.99% |
| BIA BENEFITS CONSULTING LLC3 Filed as: BIA BENEFITS CONSULTING, LLC | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| JS BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| RICHARD D BARRY3 | 4710 CREEK POINT LAKE SIGNAL MOUNTAIN, TN 37377 | TRANSAMERICA LIFE INSURANCE COMPANY | $414 | $0 | $414 | 3.85% |
| BIA BENEFITS CONSULTING LLC3 | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | TRANSAMERICA LIFE INSURANCE COMPANY | $156 | $0 | $156 | 1.45% |
| EDWARD E MCCUISTION3 | 1827 CREEK WAY DRIVE OOLTEWLH, TN 37363 | TRANSAMERICA LIFE INSURANCE COMPANY | $126 | $0 | $126 | 1.17% |
| HARRIET H CLARK3 | 2108 SARGENT DALY DRIVE CHATTANOOGA, TN 37421 | TRANSAMERICA LIFE INSURANCE COMPANY | $59 | $0 | $59 | 0.55% |
| BIA BENEFITS CONSULTING LLC3 Filed as: BIA BENEFITS CONSULTING, LLC | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | SUN LIFE ASSURANCE COMPANY OF CANADA | $642 | $0 | $642 | 9.85% |
| BIA BENEFITS CONSULTING LLC3 Filed as: BIA BENEFITS CONSULTING, LLC | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | — |
| DEBORAH A MINGO3 Filed as: DEBORAH MINGO | 5593 SEAGRIVE LANE HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | — |
| JACKIE BARTON3 | 5527 SEAGROVE LANE HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | — |
| SHARON SESSOMS3 | 1431 ONEAL ROAD HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | — |
| WAYNE G MCMEEN3 Filed as: WAYNE MCMEEN | 7902 COVE RIDGE DRIVE HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | — |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | 187 | $712K |
| Life insurance(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 176 | $75K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 176 | $7K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 176 | $7K |
| Other(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 176 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.