| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUSTIN WHITE3 Filed as: JUSTIN WHITE BROCK & SPENCER BENEFI | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $45K | — | $45K | 7.38% |
| BROCK & SPENCER BENEFITS3 Filed as: BROCK & SPENCER BENEFITS LLC | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $3K | $16K | 17.80% |
| KATHERINE LANDERS3 Filed as: KATHERINE F LANDERS | 4748 PRIVATEER ROAD HIXSON, TN 37343 | AFLAC | $2K | — | $2K | 18.11% |
| BROCK & SPENCER BENEFITS3 Filed as: BROCK & SPENCER BENEFITS LLC | PO BOX 460 ROSSVILLE, GA 30741 | AFLAC | $2K | — | $2K | 17.90% |
| ALAN W FOSTER3 | 8696 RAMBLING ROSE DRIVE OOLTEWAH, TN 37363 | AFLAC | $573 | — | $573 | 5.13% |
| WAYNE G MCMEEN3 | 7902 COVE RIDGE DRIVE HIXSON, TN 37343 | AFLAC | $545 | — | $545 | 4.88% |
| SHARON MAY LINDSAY3 Filed as: SHARON B SESSOMS | 1431 ONEAL ROAD HIXSON, TN 37343 | AFLAC | $444 | — | $444 | 3.97% |
| ROBERT E SCHULZ3 | 827 MANCHESTER DRIVE CHATTANOOGA, TN 37415 | AFLAC | $9 | — | $9 | 0.08% |
| CHARLES E PIERCE3 | PO BOX 8064 SIGNAL MOUNTAIN, TN 37377 | AFLAC | $8 | — | $8 | 0.07% |
| MCGREGOR CAUTHEN3 | PO BOX 4 SIGNAL MOUNTAIN, TN 37377 | AFLAC | $8 | — | $8 | 0.07% |
| JOSEPH P BLESSING3 | 910 R STREET HANNIBAL, MO 63401 | AFLAC | $5 | — | $5 | 0.04% |
| RONALD H RICHEY3 | 4023 LAURAWOOD LANE FRANKLIN, TN 37067 | AFLAC | $1 | — | $1 | 0.01% |
| KATHERINE LANDERS3 Filed as: KATHERINE F LANDERS | 4748 PRIVATEER ROAD HIXSON, TN 37343 | AFLAC | $197 | $63 | $260 | 23.59% |
| BROCK & SPENCER BENEFITS3 Filed as: BROCK & SPENCER BENEFITS LLC | PO BOX 460 ROSSVILLE, GA 30741 | AFLAC | $195 | — | $195 | 17.70% |
| ALAN W FOSTER3 | 8696 RAMBLING ROSE DRIVE OOLTEWAH, TN 37363 | AFLAC | $56 | — | $56 | 5.08% |
| WAYNE G MCMEEN3 | 7902 COVE RIDGE DRIVE HIXSON, TN 37343 | AFLAC | $54 | — | $54 | 4.90% |
| SHARON MAY LINDSAY3 Filed as: SHARON B SESSOMS | 1431 ONEAL ROAD HIXSON, TN 37343 | AFLAC | $44 | — | $44 | 3.99% |
| ROBERT E SCHULZ3 | 827 MANCHESTER DRIVE CHATTANOOGA, TN 37415 | AFLAC | $1 | — | $1 | 0.09% |
| CHARLES E PIERCE3 | PO BOX 8064 CHATTANOOGA, TN 37414 | AFLAC | $1 | — | $1 | 0.09% |
| MCGREGOR CAUTHEN3 | PO BOX 4 SIGNAL MOUNTAIN, TN 37377 | AFLAC | $1 | — | $1 | 0.09% |
| JOSEPH P BLESSING3 | 910 R STREET HANNIBAL, MO 63401 | AFLAC | $1 | — | $1 | 0.09% |
| RONALD H RICHEY3 | 4023 LAURAWOOD LANE FRANKLIN, TN 37067 | AFLAC | $1 | — | $1 | 0.09% |
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 | 94 | 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) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 157 | $608K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 157 | $608K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 94 | $90K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 94 | $90K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 94 | $90K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 94 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.