| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUSS BLAKELY & ASSOCIATES LLC3 | 246 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | AFLAC | $15K | — | $15K | 12.27% |
| REBECCA LYNN HOGAN3 | 145 OLD LEAD MINE VALLEY ROAD SW CLEVELAND, TN 37311 | AFLAC | $6K | $2K | $8K | 6.29% |
| BIANCA S BAKER3 | 1706 DANBERRY LANE NORTHEAST CLEVELAND, TN 37323 | AFLAC | $3K | $699 | $3K | 2.60% |
| SHARON MAY LINDSAY3 Filed as: SHARON B SESSOMS | 1431 ONEAL ROAD HIXSON, TN 37343 | AFLAC | $2K | $286 | $3K | 2.24% |
| TAYLOR THIGPEN3 | 1021 BRYNEWOOD TERRACE CHATTANOOGA, TN 37415 | AFLAC | $2K | $541 | $3K | 2.06% |
| ETHAN GREER3 | 325 CHEROKEE BOULEVARD SUITE 102 CHATTANOOGA, TN 37405 | AFLAC | $2K | — | $2K | 1.51% |
| KACY A GRUENKEMEYER3 | 558 CLINGMANS LANE CHATTANOOGA, TN 37419 | AFLAC | $633 | $541 | $1K | 0.95% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 246 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | AFLAC | $1K | — | $1K | 0.88% |
| CALEB L SPENCER3 | 7456 DAVIS MILL CIRCLE HARRISON, TN 37341 | AFLAC | $623 | — | $623 | 0.50% |
| RILEY D GRAVES3 | 281 WADDELL ROAD SOUTHWEST CLEVELAND, TN 37311 | AFLAC | $271 | $240 | $511 | 0.41% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4823 OLD KINGSTON PIKE SUITE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $4K | $8K | 12.28% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 8.65% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4823 OLD KINGSTON PIKE SUITE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 12.27% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 8.63% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4823 OLD KINGSTON PIKE SUITE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $5K | 12.30% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.58% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS LL | 4823 OLD KINGSTON PIKE SUITE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $748 | $637 | $1K | 12.47% |
| WILLIAM RUSSELL BLAKELY & ASSOC3 | 246 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $918 | — | $918 | 8.26% |
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 | 450 | 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) | 451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 436 | $66K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $65K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $38K |
| Other(3 contracts, 2 carriers) | AFLAC | 436 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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.