| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| W KYLE HAREN3 | 240 FOREST AVE SUITE 602 CHATTANOOGA, TN 37405 | BLUECROSS BLUE SHIELD OF TENNESSEE, INC. | $56K | $0 | $56K | 6.53% |
| BEVERLY A MCKELDIN3 | 3922 ROSALIND LANE CHATTANOOGA, TN 37416 | AFLAC | $15K | $1K | $16K | 26.69% |
| WAYNE G MCMEEN3 | 2727 WATERHAVEN DRIVE CHATTANOOGA, TN 37406 | AFLAC | $5K | $301 | $5K | 8.03% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 103 CHEROKEE BLVD SUITE 225 CHATTANOOGA, TN 37405 | AFLAC | $3K | $307 | $3K | 5.17% |
| JAMES R SWAIN3 | 2500 WATERHAVEN DRIVE CHATTANOOGA, TN 37406 | AFLAC | $2K | $115 | $3K | 4.18% |
| HAREN INSURANCE INC3 Filed as: HAREN INSURANCE | 240 FOREST AVE SUITE 602 CHATTANOOGA, TN 37405 | AFLAC | $2K | $0 | $2K | 2.86% |
| SHARON MAY LINDSAY3 Filed as: SHARON B SESSOMS | 1431 ONEAL ROAD HIXON, TN 37343 | AFLAC | $503 | $0 | $503 | 0.83% |
| BELINDA J DANIEL3 | 4304 SHELBORNE DRIVE CHATTANOOGA, TN 37416 | AFLAC | $228 | $0 | $228 | 0.38% |
| KACY A GRUENKEMEYER3 Filed as: KACY A GRUEKEMEYER | 177 RICHLAND HILLS DRIVE MANCHESTER, TN 37355 | AFLAC | $123 | $0 | $123 | 0.20% |
| BELINDA J DANIEL3 | 4304 SHELBORNE DRIVE CHATTANOOGA, TN 37416 | AFLAC | $67 | $32 | $99 | 0.16% |
| ELIZABETH E REEVES3 Filed as: ELIZABETH REEVES | 103 CHEROKEE BLVD SUITE 225 CHATTANOOGA, TN 37405 | AFLAC | $63 | $6 | $69 | 0.11% |
| ELIZABETH E REEVES3 Filed as: ELIZABETH REEVES | 6148 LEE HWY SUITE 106B CHATTANOOGA, TN 37421 | AFLAC | $9 | $0 | $9 | 0.01% |
| WESLEY KYLE HAREN3 | 1209 DUANE ROAD CHATTANOOGA, TN 37405 | COLONIAL LIFE & ACCIDENT INSURANCE | $4K | $0 | $4K | 10.88% |
| DAVID HOWELL3 | 2121 COLLINS LANE LAKESITE, TN 37379 | COLONIAL LIFE & ACCIDENT INSURANCE | $3K | $0 | $3K | 6.97% |
| LVI BENEFITS SERVICES LLC3 | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE | $2K | $525 | $2K | 5.19% |
| VICTORIA L FLYNN3 | 7009 FAIRVIEW ROAD CORRYTON, TN 37721 | COLONIAL LIFE & ACCIDENT INSURANCE | $19 | $0 | $19 | 0.05% |
| HAREN INSURANCE INC3 Filed as: HAREN INSURANCE | 240 FOREST AVE SUITE 602 CHATTANOOGA, TN 37405 | COMPANION LIFE | $6K | $0 | $6K | 15.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | ONE CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | COMPANION LIFE | $3K | $0 | $3K | 7.50% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUE SHIELD OF TENNESSEE, INC. | 263 | $852K |
| Dental | BLUECROSS BLUE SHIELD OF TENNESSEE, INC. | 263 | $852K |
| Life insurance | COMPANION LIFE | 75 | $38K |
| Other(3 contracts, 3 carriers) | AFLAC | 100 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.