| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAREN INSURANCE INC3 Filed as: W K HAREN | 240 FOREST AVENUE SUITE 602 CHATTANOOGA, TN 37405 | BLUECROSS BLUE SHIELD OF TENNESSEE, INC. | $58K | — | $58K | 3.34% |
| HAREN INSURANCE INC3 | 240 FOREST AVENUE SUITE 602 CHATTANOOGA, TN 37405 | COMPANION LIFE INSURANCE COMPANY | $16K | — | $16K | 14.82% |
| GROUP INSURANCE SERVICES INC3 | ONE CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | $8K | — | $8K | 7.41% |
| HAREN INSURANCE INC3 | 240 FOREST AVENUE SUITE 602 CHATTANOOGA, TN 37405 | TELADOC | $2K | — | $2K | 15.00% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUE SHIELD OF TENNESSEE, INC. | 336 | $1.7M |
| Dental | BLUECROSS BLUE SHIELD OF TENNESSEE, INC. | 336 | $1.7M |
| Vision | BLUECROSS BLUE SHIELD OF TENNESSEE, INC. | 336 | $1.7M |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 224 | $105K |
| Other(3 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 248 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.