| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUSTIN JETT3 | 246 EAST 11TH STREET, SUITE 302 CHATANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $40K | $0 | $40K | 2.89% |
| W KYLE HAREN3 Filed as: KYLE HAREN | 240 FOREST AVENUE, SUITE 302 CHATTANOOGA, TN 37405 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $18K | $0 | $18K | 1.28% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 246 EAST 11TH STREET, SUITE 302 CHATTANOOGA, TN 37402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 12.70% |
| HAREN INSURANCE INC3 Filed as: HAREN INSURANCE, INC. | 240 FOREST AVENUE, SUITE 302 CHATTANOOGA, TN 37405 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 4.87% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION STREET, 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.81% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP SOUTHEAST, LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 900 TAMPA, FL 33607 | COMPANION LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.80% |
| GROUP INSURANCE SEVICES, INC.3 | ONE CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.57% |
| HAREN INSURANCE INC3 Filed as: HAREN INSURANCE, INC. | 240 FOREST AVENUE, SUITE 302 CHATTANOOGA, TN 37405 | COMPANION LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.34% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 245 | $1.4M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 245 | $1.4M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 245 | $1.4M |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 149 | $69K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $138K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $138K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 245 | $1.4M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 194 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.