| 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 | $92K | $92K | 5.02% |
| BROCK & SPENCER BENEFITS3 | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | AMERITAS LIFE INSURANCE CORP | $21K | $3K | $24K | 11.44% |
| BROCK & SPENCER BENEFITS3 Filed as: BROCK AND SPENCER BENEFITS | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $0 | $11K | 15.00% |
| BIA BENEFITS CONSULTING LLC3 Filed as: BIA BENEFITS CONSULTING | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 8.42% |
| KATHERINE FARRAR LANDERS3 | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 8.42% |
| 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 | $56 | $56 | 0.12% |
| KRISTY K COUSINS3 | 315 WALSH RD CHATTANOOGA, GA 30741 | AFLAC | $86 | $0 | $86 | 4.39% |
| CHRISTOPHER RICHARDSON3 | 103 CHEROKEE BLVD SUITE 225 CHATTANOOGA, TN 37405 | AFLAC | $46 | $0 | $46 | 2.35% |
| ELIZABETH E REEVES3 Filed as: ELIZABETH REEVES | 6148 LEE HWY SUITE 106B CHATTANOOGA, TN 37421 | AFLAC | $19 | $0 | $19 | 0.97% |
| KATHERINE LANDERS3 | 4748 PRIVATEER RD HIXSON, TX 78746 | AFLAC | $16 | $0 | $16 | 0.82% |
| BIA BENEFITS CONSULTING LLC3 | P.O. BOX 460 ROSSVILLE, GA 30741 | AFLAC | $16 | $0 | $16 | 0.82% |
| ALAN W FOSTER3 Filed as: ALAN FOSTER | 716 FRENCH RIVER ROAD NOLENSVILLE, TX 37135 | AFLAC | $10 | $0 | $10 | 0.51% |
| SHARON SESSOMS3 | 1431 ONEAL RD HIXSON, TN 37343 | AFLAC | $9 | $0 | $9 | 0.46% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $6 | $0 | $6 | 0.31% |
| WAYNE G MCMEEN3 Filed as: WAYNE MCMEEN | 7902 COVE RIDGE DRIVE HIXSON, TN 37343 | AFLAC | $6 | $0 | $6 | 0.31% |
| BRENT GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $3 | $0 | $3 | 0.15% |
| JAY S OLEARY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $2 | $0 | $2 | 0.10% |
| CARLA WITHERINGTON3 | 1405 HERRING DRIVE COVINGTON, TN 38019 | AFLAC | $2 | $0 | $2 | 0.10% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 350 E SHORT STREET #416 LEXINGTON, KY 40507 | AFLAC | $2 | $0 | $2 | 0.10% |
| ELIZABETH E REEVES3 Filed as: ELIZABETH REEVES | 6148 LEE HWY SUITE 106B CHATTANOOGA, TN 37421 | AFLAC | $2 | $0 | $2 | 0.10% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $1 | $0 | $1 | 0.05% |
| JOSEPH LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $1 | $0 | $1 | 0.05% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $1 | $0 | $1 | 0.05% |
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 | 187 | 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) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE | 187 | $2.0M |
| Dental | AMERITAS LIFE INSURANCE CORP | 422 | $212K |
| Vision | AMERITAS LIFE INSURANCE CORP | 422 | $212K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 78 | $72K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 78 | $72K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 78 | $72K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE | 186 | $1.8M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 187 | $135K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 78 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.