| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIA BENEFITS CONSULTING LLC3 Filed as: BIA BENEFITS CONSULTING | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | CIGNA HEALTH AND LIFE INSURANCE | $0 | $75K | $75K | 5.21% |
| BROCK & SPENCER BENEFITS3 | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | AMERITAS LIFE INSURANCE CORP | $18K | $2K | $20K | 11.06% |
| BROCK & SPENCER BENEFITS3 Filed as: BROCK AND SPENCER BENEFITS | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | SUN LIFE ASSURANCE COMPANY OF CANADA | $26K | $0 | $26K | 15.00% |
| MGIS5 | 10 WEST BROADWAY SUITE 800 SALT LAKE CITY, UT 84101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $900 | $900 | 0.52% |
| BIA BENEFITS CONSULTING LLC3 Filed as: BIA BENEFITS CONSULTING | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $175 | $3K | 9.12% |
| 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 | $48 | $48 | 0.15% |
| KRISTY K COUSINS3 | 315 WALSH RD CHATTANOOGA, GA 30741 | AFLAC | $193 | $0 | $193 | 4.37% |
| CHRISTOPHER RICHARDSON3 | 1011 NORFOLK GREEN CR CHATTANOOGA, TN 37421 | AFLAC | $111 | $0 | $111 | 2.52% |
| KATHERINE LANDERS3 | 4748 PRIVATEER RD HIXSON, TX 78746 | AFLAC | $49 | $0 | $49 | 1.11% |
| ELIZABETH E REEVES3 Filed as: ELIZABETH REEVES | 6148 LEE HWY SUITE 106B CHATTANOOGA, TN 37421 | AFLAC | $49 | $0 | $49 | 1.11% |
| BROCK & SPENCER BENEFITS3 | P.O. BOX 460 ROSSVILLE, GA 30741 | AFLAC | $47 | $0 | $47 | 1.07% |
| ALAN W FOSTER3 Filed as: ALAN FOSTER | 8696 RAMBLING ROSE DRIVE OOLTEWAH, TN 37363 | AFLAC | $23 | $0 | $23 | 0.52% |
| SHARON SESSOMS3 | 1431 ONEAL RD HIXSON, TN 37343 | AFLAC | $22 | $0 | $22 | 0.50% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $21 | $0 | $21 | 0.48% |
| WAYNE G MCMEEN3 Filed as: WAYNE MCMEEN | 7902 COVE RIDGE DRIVE HIXSON, TN 37343 | AFLAC | $20 | $0 | $20 | 0.45% |
| BRENT GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $6 | $0 | $6 | 0.14% |
| JAY S OLEARY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $4 | $0 | $4 | 0.09% |
| CARLA WITHERINGTON3 | 1405 HERRING DRIVE COVINGTON, TN 38019 | AFLAC | $4 | $0 | $4 | 0.09% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 350 E SHORT STREET #416 LEXINGTON, KY 40507 | AFLAC | $4 | $0 | $4 | 0.09% |
| JOSEPH LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $2 | $0 | $2 | 0.05% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $1 | $0 | $1 | 0.02% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $1 | $0 | $1 | 0.02% |
| BIA BENEFITS CONSULTING LLC3 Filed as: BIA BENEFITS CONSULTING | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | SUNLIFE ASSUANCE COMPANY OF CANADA | $0 | $12 | $12 | — |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TX HWY #2-125 AUSTIN, TX 78746 | SUNLIFE ASSUANCE COMPANY OF CANADA | $0 | $5 | $5 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN BENEFITS GROUP FSA ADMIN | Claims processing; Contract Administrator Service code 12 | 320 RIVERSIDE DRIVE FLORENCE, MA 01062 | $3K |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE | 184 | $1.4M |
| Dental | AMERITAS LIFE INSURANCE CORP | 185 | $178K |
| Vision | AMERITAS LIFE INSURANCE CORP | 185 | $178K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 205 | $173K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 205 | $173K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 205 | $173K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE | 184 | $1.4M |
| Other(4 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 543 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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.