| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELIANCE BENEFITS, LLC3 Filed as: RELIANCE HUMAN CAPITAL MANAGEMENT | 800 MARKET ST. STE 213 CHATTANOOGA, TN 374022632 | HUMANA INSURANCE COMPANY | $18K | — | $18K | 3.34% |
| RYAN DAVIS3 | 800 MARKET ST STE 213 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $9K | — | $9K | 13.76% |
| RELIANCE BENEFITS, LLC3 Filed as: RELIANCE BENEFITS LLC | 715 CHERRY ST STE 301 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $657 | $393 | $1K | 5.34% |
| RELIANCE BENEFITS, LLC3 Filed as: RELIANCE BENEFITS LLC | 715 CHERRY ST STE 301 CHATTANOOGA, TN 37402 | USABLE LIFE | $916 | — | $916 | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $250 | $122 | $372 | 6.09% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 91 | $533K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 194 | $62K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 194 | $62K |
| Life insurance | USABLE LIFE | 117 | $6K |
| Long-term disability | USABLE LIFE | 117 | $20K |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 117 | $539K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.