| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUSS BLAKELY & ASSOCIATES LLC3 | 246 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | AFLAC | $24K | — | $24K | 25.19% |
| REBECCA LYNN HOGAN3 | 145 OLD LEAD MINE VALLEY ROAD SW CLEVELAND, TN 37311 | AFLAC | $9K | — | $9K | 9.04% |
| SHARON MAY LINDSAY3 Filed as: SHARON B SESSOMS | 1431 ONEAL ROAD HIXSON, TN 37343 | AFLAC | $5K | $18 | $5K | 5.29% |
| TAYLOR THIGPEN3 | 1021 BRYNEWOOD TERRACE CHATTANOOGA, TN 37415 | AFLAC | $3K | — | $3K | 3.60% |
| BIANCA S BAKER3 | 1706 DANBERRY LANE NORTHEAST CLEVELAND, TN 37323 | AFLAC | $3K | $90 | $3K | 3.18% |
| KACY A GRUENKEMEYER3 | 558 CLINGMANS LANE CHATTANOOGA, TN 37419 | AFLAC | $2K | — | $2K | 2.40% |
| RILEY D GRAVES3 | 281 WADDELL ROAD SOUTHWEST CLEVELAND, TN 37311 | AFLAC | $1K | — | $1K | 1.34% |
| TAYLOR THIGPEN3 | 3535 MOUNTAIN CREEK ROAD APARTMENT 702 CHATTANOOGA, TN 37415 | AFLAC | $416 | — | $416 | 0.44% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $5K | $15K | 22.11% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $4K | $13K | 23.19% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $8K | 21.92% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $778 | $2K | 22.38% |
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 | 400 | 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) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 365 | $65K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $66K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $35K |
| Other(3 contracts, 2 carriers) | AFLAC | 365 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.