| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM R BLAKELY3 | PO BOX 11310 CHATTANOOGA, TN 37401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $166 | $2K | 8.96% |
| BOAR ENROLLMENT STRATEGIES3 | 9622 WILTSHIRE DRIVE OOLTEWAH, TN 37363 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $184 | $4K | 19.64% |
| RUSS BLAKELY & ASSOCIATES LLC3 Filed as: RUSS BLAKELY & ASSOCIATES | 246 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $146 | $3K | 14.53% |
| WILLIAM R BLAKELY3 Filed as: WILLIAM RUSSELL BLAKELY | PO BOX 11310 CHATTANOOGA, TN 37401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $359 | — | $359 | 1.74% |
| MICHAEL DEWAYNE STALVEY3 | 2444 BROAD STREET SUITE 209 CHATTANOOGA, TN 37408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $188 | — | $188 | 0.91% |
| WILLIAM R BLAKELY3 | PO BOX 11310 CHATTANOOGA, TN 37401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $133 | $3K | 15.75% |
| WILLIAM R BLAKELY3 | PO BOX 11310 CHATTANOOGA, TN 37401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $125 | $2K | 9.30% |
| WILLIAM R BLAKELY3 | PO BOX 11310 CHATTANOOGA, TN 37401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $101 | $2K | 15.75% |
| WILLIAM R BLAKELY3 | PO BOX 11310 CHATTANOOGA, TN 37401 | USABLE LIFE | $309 | — | $309 | 14.98% |
| GROUP INSURANCE SERVICES INC3 | 801 PINE STREET CHATTANOOGA, TN 37402 | USABLE LIFE | $150 | $41 | $191 | 9.26% |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 367 | $33K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $39K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $39K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 367 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.