| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM BLAKELY3 | 620 LINDSAY ST, STE 201 CHATTANOOGA, TN 37403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $78K | $21K | $99K | 12.16% |
| RUSS BLAKELY & ASSOCIATES LLC3 | 246 E 11TH ST, SUITE 302 CHATTANOOGA, TN 37402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $69K | — | $69K | 8.44% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PKWY, STE 375 ALPHARETTA, GA 30009 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $625 | $7K | 0.92% |
| UNITED BENEFITS ADVISORS INC3 Filed as: UNITED BENEFITS ADVISORS LLC | 1 PIERCE PL, SUITE 400E ITASCA, IL 60143 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 0.67% |
| WILLIAM R BLAKELY3 Filed as: WILLIAM RUSSELL BLAKELY | PO BOX 11310 CHATTANOOGA, TN 374012310 | VISION SERVICE PLAN | $4K | — | $4K | 2.21% |
| RUSS BLAKELY & ASSOCIATES LLC3 | 246 E 11TH ST STE 302 CHATTANOOGA, TN 374024212 | VISION SERVICE PLAN | $366 | — | $366 | 0.22% |
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 | 2,310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,996 | $165K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,590 | $815K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,590 | $815K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,590 | $815K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,590 | $815K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,590 | — |
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.