| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIA BENEFITS CONSULTING LLC3 | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $63K | $0 | $63K | 14.75% |
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS INSURANCE SERVICES INC | 100 FRONT STREET SUITE 310 WORCESTER, MA 01608 | HCC LIFE INSURANCE COMPANY | $22K | $0 | $22K | 15.00% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS, LLC | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.25% |
| IAA INSURANCE AGENCY INC3 Filed as: IAA INSURANCE AGENCY INCORPORATED | 1934 OLNEY AVENUE CHERRY HILL, NJ 08003 | HCC LIFE INSURANCE COMPANY | $778 | $0 | $778 | 9.98% |
| 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 | $9 | $0 | $9 | 1.42% |
| 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 | $76K |
| LUCENT HEALTH SOLUTIONS CLAIMS | Claims processing Service code 12 | 5560 W GRANDE MARKER DRIVE APPLETON, WI 54913 | $64K |
| CONNECTICUT GENERAL EIN 06-0303370 OTHER | Other fees Service code 99 | PO BOX 645014 CINCINNATI, OH 45264 | $36K |
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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HCC LIFE INSURANCE COMPANY | 206 | $533K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 252 | $430K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 252 | $430K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 252 | $430K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 252 | $430K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 252 | $430K |
| Stop-loss / reinsurancereinsurance(3 contracts) | HCC LIFE INSURANCE COMPANY | 206 | $540K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 252 | $439K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.