| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRENT WICK3 | 246 E 11TH ST, STE 302 CHATTANOOGA, TN 37402 | BLUERE OF TENNESSEE, INC. | $34K | — | $34K | 14.16% |
| RUSS BLAKELY & ASSOCIATES LLC3 Filed as: RUSS BLAKELY | PO BOX 11310 CHATTANOOGA, TN 37401 | BLUERE OF TENNESSEE, INC. | $69 | — | $69 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHONY BROWN NONE | Contract Administrator Service code 13 | 105 BETSY PACK DRIVE, SUITE 201 JASPER, TN 37347 | $118K |
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 | 234 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUERE OF TENNESSEE, INC. | 399 | $238K |
| Dental | BLUERE OF TENNESSEE, INC. | 399 | $238K |
| Vision | BLUERE OF TENNESSEE, INC. | 399 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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.
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.