| 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. | $52K | $0 | $52K | 4.08% |
| HAREN INSURANCE INC3 Filed as: HAREN INSURANCE | 240 FOREST AVE SUITE 602 CHATTANOOGA, TN 37405 | COMPANION LIFE | $10K | $0 | $10K | 12.41% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | ONE CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | COMPANION LIFE | $5K | $0 | $5K | 6.21% |
| WESLEY KYLE HAREN3 | 1209 DUANE ROAD CHATTANOOGA, TN 37405 | COLONIAL LIFE & ACCIDENT INSURANCE | $10K | $0 | $10K | 16.35% |
| DAVID HOWELL3 | 2121 COLLINS LANE LAKESITE, TN 37379 | COLONIAL LIFE & ACCIDENT INSURANCE | $5K | $0 | $5K | 8.58% |
| LVI BENEFITS SERVICES LLC3 | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE | $3K | $744 | $4K | 6.90% |
| MARGARET M GRAHAM3 | 200 CROOKED CREEK DRIVE ONEIDA, TN 37841 | COLONIAL LIFE & ACCIDENT INSURANCE | $2K | $0 | $2K | 2.85% |
| VICTORIA L FLYNN3 | 7009 FAIRVIEW ROAD CORRYTON, TN 37721 | COLONIAL LIFE & ACCIDENT INSURANCE | $13 | $0 | $13 | 0.02% |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUE SHIELD OF TENNESSEE, INC. | 340 | $1.3M |
| Dental | BLUECROSS BLUE SHIELD OF TENNESSEE, INC. | 340 | $1.3M |
| Vision | BLUECROSS BLUE SHIELD OF TENNESSEE, INC. | 340 | $1.3M |
| Life insurance | COMPANION LIFE | 198 | $77K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE | 198 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.