| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS DYER3 | 605 CHESTNUT STREET SUITE 500 CHATTANOOGA, TN 37450 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $37K | — | $37K | 3.21% |
| RYAN DAVIS3 | 800 MARKET ST SUITE 213 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $14K | — | $14K | 1.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 15.63% |
| RELIANCE BENEFITS, LLC3 Filed as: RELIANCE BENEFITS LLC | 800 MARKET ST SUITE 213 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 16.10% |
| RELIANCE BENEFITS, LLC3 Filed as: RELIANCE BENEFITS LLC | 800 MARKET ST SUITE 213 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.04% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 12.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $810 | $3K | 12.21% |
| RELIANCE BENEFITS, LLC3 Filed as: RELIANCE BENEFITS LLC | 800 MARKET ST SUITE 213 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.52% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 15.61% |
| RELIANCE BENEFITS, LLC3 Filed as: RELIANCE BENEFITS LLC | 800 MARKET ST SUITE 213 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $694 | $2K | 12.16% |
| RELIANCE BENEFITS, LLC3 Filed as: RELIANCE BENEFITS LLC | 800 MARKET ST SUITE 213 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 16.43% |
| RELIANCE BENEFITS, LLC3 Filed as: RELIANCE BENEFITS LLC | 800 MARKET ST SUITE 213 CHATTANOOGA, TN 37402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $903 | — | $903 | 6.06% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 278 | $1.2M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 278 | $1.2M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 278 | $1.2M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $55K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 83 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $19K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.