| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIA BENEFITS CONSULTING LLC3 | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | AMERITAS LIFE INSURANCE CORP | $22K | $4K | $26K | 11.87% |
| BROCK & SPENCER BENEFITS3 Filed as: BROCK AND SPENCER BENEFITS | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | $0 | $27K | 15.00% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $985 | $985 | 0.54% |
| BIA BENEFITS CONSULTING LLC3 Filed as: BIA BENEFITS CONSULTING | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 8.71% |
| KATHERINE FARRAR LANDERS3 | 4748 PRIVATEER ROAD HIXSON, TN 37343 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 8.71% |
| KRISTY K COUSINS3 | 315 WALSH RD CHATTANOOGA, GA 30741 | AFLAC | $39 | $0 | $39 | 6.16% |
| CHRISTOPHER RICHARDSON3 | 1011 NORFOLK GREEN CIR CHATTANOOGA, TN 37421 | AFLAC | $21 | $0 | $21 | 3.32% |
| ELIZABETH E REEVES3 Filed as: ELIZABETH REEVES | 3622 ALTAMIRA DRIVE CHATTANOOGA, TN 37412 | AFLAC | $10 | $0 | $10 | 1.58% |
| BRENT L GOODE3 Filed as: BRENT L GOOD | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $3 | $0 | $3 | 0.47% |
| JAY S OLEARY3 | 1802 EAVES COURT NOLENSVILLE, TN 37135 | AFLAC | $1 | $0 | $1 | 0.16% |
| JOSEPH LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37135 | AFLAC | $1 | $0 | $1 | 0.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BIA BENEFITS CONSULT EIN 20-8266101 BROKER | Custodial (securities) Service code 19 | PO BOX 460 ROSSVILLE, GA 30741 | $73K |
| CYPRESS BENEFIT ADMINISTRATORS EIN 39-1997579 CLAIMS | Claims processing Service code 12 | 5560 W GRANDE MARKER DRIVE APPLETON, WI 54913 | $54K |
| CONNECTICUT GENERAL EIN 06-0303370 OTHER | Other fees Service code 99 | PO BOX 645014 CINCINNATI, OH 45264 | $35K |
| NARUS HEALTH INC EIN 47-4360420 OTHER | Other fees Service code 99 | 424 CHURCH STREET SUITE 2300 NASHVILLE, TN 37219 | $4K |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HCC LIFE INSURANCE COMPANY | 118 | $326K |
| Dental | AMERITAS LIFE INSURANCE CORP | 201 | $220K |
| Vision | AMERITAS LIFE INSURANCE CORP | 201 | $220K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 228 | $182K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 228 | $182K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 228 | $182K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HCC LIFE INSURANCE COMPANY | 118 | $326K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 228 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.