| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRENT WICK3 | 246 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $82K | — | $82K | 9.70% |
| RUSS BLAKELY & ASSOCIATES LLC3 Filed as: RUSS BLAKELY & ASSOCIATES, LLC | P.O. BOX 11310 CHATTANOOGA, TN 37403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $90K | — | $90K | 13.73% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 84101 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE, INC. | 701 MARKET STREET SUITE 500 CHATTANOOGA, TN 37402 | SUN LIFE ASSURANCE COMPANY OF CANADA | -$35 | — | -$35 | -0.01% |
| ARMOR, THOMAS, HICKS3 | 1244 LONGHOLM COURT CHATTANOOGA, TN 37405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $698 | — | $698 | 2.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $240 | $240 | 0.85% |
| ARMOR, THOMAS, HICKS3 | 1244 LONGHOLM COURT CHATTANOOGA, TN 37405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $521 | — | $521 | 2.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $252 | $252 | 1.22% |
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 | 437 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 594 | $844K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 594 | $844K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 594 | $844K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 437 | $653K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 437 | $653K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 437 | $653K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 437 | $701K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 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.