| 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. | $60K | $0 | $60K | 3.80% |
| WESLEY KYLE HAREN3 | 1209 DUANE ROAD CHATTANOOGA, TN 37405 | COLONIAL LIFE & ACCIDENT INSURANCE | $32K | $0 | $32K | 20.79% |
| LVI BENEFITS SERVICES LLC3 | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE | $12K | $1K | $13K | 8.48% |
| SHEILA A SHELL3 | 413 MOSS TRAIL GOODLETTSVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE | $8K | $3 | $8K | 5.07% |
| DAVID HOWELL3 | 2121 COLLINS LANE LAKESITE, TN 37379 | COLONIAL LIFE & ACCIDENT INSURANCE | $7K | $0 | $7K | 4.63% |
| WILLIAM RICHARD KYZER3 | 8211 GORDON LANE HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE | $4K | $641 | $4K | 2.88% |
| DEBBIE RENEA CUNNINGHAM3 | 4006 WINDSONG TRAIL GREENBRIAR, TN 37073 | COLONIAL LIFE & ACCIDENT INSURANCE | $3K | $1 | $3K | 1.68% |
| MARGARET M GRAHAM3 | 200 CROOKED CREEK DRIVE ONEIDA, TN 37841 | COLONIAL LIFE & ACCIDENT INSURANCE | $2K | $0 | $2K | 1.05% |
| SANDRA SIMS3 | 13750 W COLONIAL DRIVE SUITE 350 WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE | $715 | $105 | $820 | 0.53% |
| SABRINA S RAMOS3 | 13750 W COLONIAL DRIVE WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE | $217 | $51 | $268 | 0.17% |
| PATRICIA A DUNCAN3 | 520 WHEATFIELD ROAD FRANKLIN, NC 28734 | COLONIAL LIFE & ACCIDENT INSURANCE | $192 | $0 | $192 | 0.12% |
| WILLIAM RENNARD3 | 3001 ALOMA AVE WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE | $70 | $26 | $96 | 0.06% |
| NORWOOD BENEFIT SERVICES INC3 Filed as: NORWOOD BENEFIT SERVICES | 6478 LONG BREEZE ROAD ORLANDO, FL 32810 | COLONIAL LIFE & ACCIDENT INSURANCE | $70 | $5 | $75 | 0.05% |
| NORMAC SOLUTIONS INC3 | 451 HOPKINS ROAD TOWNVILLE, SC 29689 | COLONIAL LIFE & ACCIDENT INSURANCE | $14 | $10 | $24 | 0.02% |
| TODD BOOZER3 | 2900 CAHABA ROAD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE | $14 | $2 | $16 | 0.01% |
| VICTORIA L FLYNN3 | 7009 FAIRVIEW ROAD CORRYTON, TN 37721 | COLONIAL LIFE & ACCIDENT INSURANCE | $13 | $0 | $13 | 0.01% |
| HAREN INSURANCE INC3 Filed as: HAREN INSURANCE | 240 FOREST AVE SUITE 602 CHATTANOOGA, TN 37405 | COMPANION LIFE | $15K | $0 | $15K | 14.92% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | ONE CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | COMPANION LIFE | $8K | $0 | $8K | 7.46% |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUE SHIELD OF TENNESSEE, INC. | 381 | $1.6M |
| Dental | BLUECROSS BLUE SHIELD OF TENNESSEE, INC. | 381 | $1.6M |
| Vision | BLUECROSS BLUE SHIELD OF TENNESSEE, INC. | 381 | $1.6M |
| Life insurance | COMPANION LIFE | 231 | $101K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE | 231 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.