| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUSS BLAKELY & ASSOCIATES LLC3 | 246 E 11TH ST SUITE 302 CHATTANOOGA, TN 37402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $132K | — | $132K | 15.54% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 0.73% |
| BLAKELY, WILLIAM R3 Filed as: BLAKELY, WILLIAM, RUSS | PO BOX 11310 CHATTANOOGA, TN 37401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $303 | $17K | 7.33% |
| BOAR ENROLLMENT STRATEGIES3 | 9622 WILTSHIRE DR OOLTEWAH, TN 37363 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $70 | $4K | 1.75% |
| BARRY, RICHARD, DENNIS3 | 4710 CREEK POINT LN SIGNAL MTN, TN 37377 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.32% |
| MCCUISTION, EDWARD, ERIC3 | 1827 CREEK WAY DR OOLTEWAH, TN 37363 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.29% |
| CLARK, CALVIN, RICHARD3 | PO BOX 330 MANCHESTER, TN 37349 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $336 | — | $336 | 0.15% |
| GREEN, KATHRYN, PITTS3 | 1517 WOOD NYMPH TRL LOOKOUT MTN, GA 30750 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| DENVER FARLEY3 | P O BOX 301 MCMINNVILLE, TN 37111 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| BLAKELY, WILLIAM R3 Filed as: BLAKELY, WILLIAM, RUSS | PO BOX 11310 CHATTANOOGA, TN 37401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $397 | $19K | 9.08% |
| BOAR ENROLLMENT STRATEGIES3 | 9622 WILTSHIRE DR OOLTEWAH, TN 37363 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $68 | $8K | 3.90% |
| BARRY, RICHARD, DENNIS3 | 4710 CREEK POINT LN SIGNAL MTN, TN 37377 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $494 | — | $494 | 0.23% |
| MCCUISTION, EDWARD, ERIC3 | 1827 CREEK WAY DR OOLTEWAH, TN 37363 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $494 | — | $494 | 0.23% |
| RUSS BLAKELY & ASSOCIATES LLC3 | 246 E 11TH ST STE 302 CHATTANOOGA, TN 374024212 | VISION SERVICE PLAN | $5K | — | $5K | 2.39% |
| RUSS BLAKELY & ASSOCIATES LLC3 | 246 E 11TH ST SUITE 302 CHATTANOOGA, TN 37402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 5.50% |
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 | 2,504 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,284 | $194K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,594 | $1.1M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,594 | $852K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,594 | $852K |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,594 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,594 | — |
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."
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.