| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRENT WICK3 | 246 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $41K | — | $41K | 5.62% |
| BLAKELY, WILLIAM R3 | PO BOX 11310 CHATTANOOGA, TN 37401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $550 | $6K | 6.53% |
| TURNER, JEFFREY M3 | SUITE 406 736 GEORGIA AVENUE CHATTANOOGA, TN 37402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $490 | — | $490 | 0.49% |
| COLLINS, CHARLES V3 | 7213 NOAH REID ROAD SUITE 102 CHATTANOOGA, TN 37421 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $210 | — | $210 | 0.21% |
| BLAKELY, WILLIAM R3 | PO BOX 11310 CHATTANOOGA, TN 37401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $146 | $3K | 11.76% |
| TURNER, JEFFREY M3 | 736 GEORGIA AVENUE SUITE 406 CHATTANOOGA, TN 37402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $692 | — | $692 | 2.66% |
| COLLINS, CHARLES V3 | 7213 NOAH REID ROAD SUITE 102 CHATTANOOGA, TN 37421 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $297 | — | $297 | 1.14% |
| BLAKELY, WILLIAM R3 Filed as: BLAKELY, WILLIAM, RUSSELL | PO BOX 11310 CHATTANOOGA, TN 37401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $31 | $1K | 7.40% |
| BOAR ENROLLMENT STRATEGIES3 | 9622 WILTSHIRE DRIVE OOLTEWAH, TN 37363 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $53 | $1K | 6.89% |
| STALVEY, MICHAEL, DEWAYNE3 | 9622 WILTSHIRE DRIVE OOLTEWAH, TN 37363 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $485 | — | $485 | 2.80% |
| RUSS BLAKELY & ASSOCIATES LLC3 Filed as: RUSS BLAKELY & ASSOCIATES, LLC | 246 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $1K | $2K | 20.98% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 227 | $735K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 227 | $735K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 56 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $99K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $99K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.