| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUSTIN WHITE3 | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | BLUE CROSS BLUE SHIELD IF TENNESSEE, INC | $52K | $0 | $52K | 3.76% |
| BROCK & SPENCER BENEFITS3 | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | AMERITAS LIFE INSURANCE CORP | $17K | $2K | $19K | 11.46% |
| BROCK & SPENCER BENEFITS3 Filed as: BROCK AND SPENCER BENEFITS | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | $0 | $25K | 15.00% |
| MGIS5 | 10 WEST BROADWAY SUITE 800 SALT LAKE CITY, UT 84101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $815 | $815 | 0.48% |
| BROCK & SPENCER BENEFITS3 Filed as: BROCK AND SPENCER BENEFITS | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $763 | $3K | 11.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC | 1250 CAPITAL OF TX HWY S BLDG II SUITE 600 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $168 | $168 | 0.61% |
| KATHERINE C ROBERTS3 | 8846 PICADILLY TRAIL OOLTEWAH, TN 37363 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $283 | $11 | $294 | 2.65% |
| INSURITY GROUP LLC3 | 6148 LEE HWY CHATTANOOGA, TN 37421 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $214 | $0 | $214 | 1.93% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $0 | $126 | 1.13% |
| MAX MARTIN LINDSAY3 Filed as: MAX MARTIN LINDSEY | 2911 STAGE RUN DRIVE HIXSON, TN 37343 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $5 | $77 | 0.69% |
| ANTHONY FURLOW3 | 1223 CARRIAGE PK DRIVE FRANKLIN, TN 37064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.29% |
| VICTORIA FLYNN3 | 7009 FAIRVIEW ROAD CORRYTON, TN 37721 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.25% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.22% |
| ALAN JUSTIN3 | 5165 BROADWAY DEPEW, NY 14043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 0.20% |
| KLINGBEIL AND ASSOCIATES INC3 Filed as: KLINGBEIL AND ASSOCIATES | 6000 LAKE FORREST DRIVE ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.03% |
| BENEFIT ENROLLMENT SERVICES INC3 Filed as: BENEFIT ENROLLMENT SERVICES, INC | 4300 SIDCO DRIVE NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
| MARK HOLLAND3 | P.O. BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| KRISTY K COUSINS3 | 315 WALSH RD CHATTANOOGA, GA 30741 | AFLAC | $297 | $0 | $297 | 4.33% |
| KATHERINE LANDERS3 | 4748 PRIVATEER RD HIXSON, TX 78746 | AFLAC | $206 | $0 | $206 | 3.00% |
| CHRISTOPHER RICHARDSON3 | 1011 NORFOLK GREEN CR CHATTANOOGA, TN 37421 | AFLAC | $199 | $3 | $202 | 2.94% |
| BROCK & SPENCER BENEFITS3 | P.O. BOX 460 ROSSVILLE, GA 30741 | AFLAC | $164 | $0 | $164 | 2.39% |
| ELIZABETH E REEVES3 Filed as: ELIZABETH REEVES | 6148 LEE HWY SUITE 106B CHATTANOOGA, TN 37421 | AFLAC | $79 | $0 | $79 | 1.15% |
| WAYNE G MCMEEN3 Filed as: WAYNE MCMEEN | 7902 COVE RIDGE DRIVE HIXSON, TN 37343 | AFLAC | $62 | $8 | $70 | 1.02% |
| ALAN W FOSTER3 Filed as: ALAN FOSTER | 8696 RAMBLING ROSE DRIVE OOLTEWAH, TN 37363 | AFLAC | $51 | $5 | $56 | 0.82% |
| SHARON SESSOMS3 | 1431 ONEAL RD HIXSON, TN 37343 | AFLAC | $48 | $0 | $48 | 0.70% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $29 | $0 | $29 | 0.42% |
| BRENT GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $10 | $0 | $10 | 0.15% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $1 | $0 | $1 | 0.01% |
| JAY S OLEARY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $1 | $0 | $1 | 0.01% |
| CARLA WITHERINGTON3 | 1405 HERRING DRIVE COVINGTON, TN 38019 | AFLAC | $1 | $0 | $1 | 0.01% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 350 E SHORT STREET #416 LEXINGTON, KY 40507 | AFLAC | $1 | $0 | $1 | 0.01% |
| JOSEPH LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $1 | $0 | $1 | 0.01% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $1 | $0 | $1 | 0.01% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD IF TENNESSEE, INC | 400 | $1.4M |
| Dental | AMERITAS LIFE INSURANCE CORP | 178 | $170K |
| Vision | AMERITAS LIFE INSURANCE CORP | 178 | $170K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 194 | $169K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 194 | $169K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 194 | $169K |
| Prescription drug | BLUE CROSS BLUE SHIELD IF TENNESSEE, INC | 400 | $1.4M |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 194 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.