| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUSTIN WHITE3 | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | — | $24K | $24K | 4.62% |
| LARRY WHITE3 | P.O. BOX 11502 CHATTANOOGA, TN 37401 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | — | $8K | $8K | 1.61% |
| BIA BENEFITS CONSULTING LLC3 Filed as: BIA BENEFITS CONSULTING, LLC | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | AMERITAS LIFE INSURANCE CORP. | $8K | $664 | $8K | 10.87% |
| BIA BENEFITS CONSULTING LLC3 Filed as: BIA BENEFITS CONSULTING, LLC | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 13.47% |
| 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 | — | $861 | $861 | 1.17% |
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 | 79 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 193 | $519K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 217 | $76K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 217 | $76K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 142 | $73K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 142 | $73K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 142 | $73K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 142 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.