| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUSS BLAKELY & ASSOCIATES LLC3 Filed as: RUSS BLAKELY | 620 LINDSEY ST. STE 201 PO BOX 11310 CHATTANOOGA, TN 37401 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $46K | $0 | $46K | 3.75% |
| BROCK & SPENCER BENEFITS3 Filed as: BROCK & SPENCER BENEFITS LLC | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $1K | $8K | 17.60% |
| WILLIAM R BLAKELY3 Filed as: WILLIAM R. BLAKELY | PO BOX 11310 CHATTANOOGA, TN 37401 | COMPANION LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | $596 | $0 | $596 | 5.00% |
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 | 382 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 222 | $1.2M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 222 | $1.2M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 222 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 382 | $55K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 69 | $43K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 222 | $1.2M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 382 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
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.