| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRENT WICK3 | 246 E 11TH ST STE 302 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $52K | $0 | $52K | 4.54% |
| RUSS BLAKELY & ASSOCIATES LLC3 | 246 E 11TH ST STE 302 CHATTANOOGA, TN 37402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 4823 OLD KINGSTON PIKE #300 KNOXVILLE, TN 37919 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.00% |
| DAVID SPENCER3 | 407 EAST 4TH STREET CHATTANOOGA, TN 37403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 8.57% |
| SHARON MAY LINDSAY3 Filed as: SHARON B SESSOMS | 1431 ONEAL RD HIXSON, NC 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.84% |
| KATHERINE LANDERS3 Filed as: KATHERINE F LANDERS | 6608 JOYFUL DR HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $484 | $0 | $484 | 1.55% |
| WAYNE G MCMEEN3 | 7902 COVE RIDGE DR HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $483 | $0 | $483 | 1.55% |
| TAYLOR R THIGPEN3 | 1200 MOUNTAIN CREEK RD CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $451 | $0 | $451 | 1.45% |
| BIA BENEFITS CONSULTING LLC3 Filed as: BIA BENEFITS CONSULTING, LLC | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | CONTINENTAL AMERICAN INSURANCE COMPANY | $315 | $0 | $315 | 1.01% |
| ALAN W FOSTER3 | 716 FRENCH RIVER RD NOLENSVILLE, TN 37135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $307 | $0 | $307 | 0.98% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 100 W CYPRESS ROAD STE 630 FT. LAUDERDALE, FL 33309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $240 | $0 | $240 | 0.77% |
| ELIZABETH E REEVES3 | 1200 MOUNTAIN CREEK RD #102 CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $164 | $0 | $164 | 0.53% |
| KACY A GRUENKEMEYER3 | 20 CHEROKEE BLVD #306 CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $120 | $0 | $120 | 0.38% |
| RUSS BLAKELY & ASSOCIATES LLC3 Filed as: RUSS BLAKELY & ASSOCIATES, LLC | 246 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | $0 | $108 | 0.35% |
| VBTN, INC3 Filed as: VBTN, INC. | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | $0 | $78 | 0.25% |
| JAY S OLEARY3 Filed as: JAY S O'LEARY | 301 MALLORY STATION RD STE 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.07% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | $0 | $10 | 0.03% |
| JOANNA G MATHERLY3 Filed as: JOANNA G PEOPLE | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 0.03% |
| RUSS BLAKELY & ASSOCIATES LLC3 | 246 E 11TH ST STE 302 CHATTANOOGA, TN 37402 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 4823 OLD KINGSTON PIKE #300 KNOXVILLE, TN 37919 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $307 | $307 | 2.88% |
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 | 371 | 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) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 291 | $1.1M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 291 | $1.1M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 291 | $1.1M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 371 | $11K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 291 | $1.1M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 371 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.