| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRENT WICK3 | 246 E 11TH ST CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $53K | $0 | $53K | 3.99% |
| RUSS BLAKELY & ASSOCIATES LLC3 Filed as: RUSS BLAKELY | 246 E 11TH STREET SUITE 302 CHATTANOOGA, TN 37403 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $4K | $0 | $4K | 0.29% |
| DAVID SPENCER3 Filed as: DAVID DEFORESTS SPENCER | 407 E 4TH ST CHATTANOOGA, TN 37403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 12.30% |
| BIA BENEFITS CONSULTING LLC3 | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 3.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S. CAPITAL OF TEXAS HWY. #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $288 | $288 | 0.76% |
| WILLIAM R BLAKELY3 Filed as: WILLIAM R. BLAKELY | 246 E 11TH STREET SUITE 302 CHATTANOOGA, TN 37403 | COMPANION LIFE INSURANCE COMPANY | $682 | $0 | $682 | 5.83% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | $585 | $0 | $585 | 5.00% |
| RUSS BLAKELY & ASSOCIATES LLC3 | 246 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | $489 | $0 | $489 | 4.18% |
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 | 362 | 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) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 269 | $1.3M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 269 | $1.3M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 269 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 362 | $50K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 56 | $38K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 269 | $1.3M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 362 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.