Open any plan below to see its carriers, broker commissions and premiums.
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Sponsor portfolioWelfare / HealthEIN 92-1070464
USA HOMETOWN EXPERTS, INC. DBA METRO PLUMBING, HEATING AND AIR
4180 S CREEK ROAD · CHATTANOOGA, TN 37406
4234533484
- Plans filed
- 2
- Years active
- 2025–2025
- Industry
- NAICS 23
- Latest filing
- 2025
Total premiums (latest)
$739K
No prior year
Persons covered
711
No prior year
Total participants
724
No prior year
Plans filed
2
No prior year
Plans under this sponsor
2 plans
Plan #502$571K
USA HOMETOWN EXPERTS, INC. HEALTH AND WELFARE PLAN
Mixed607 covered·1 carrier
Primary: THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA
Plan #501$168K
USA HOMETOWN EXPERTS, INC. DBA METRO PLUMBING, HEATING AND AIR EMPLOYEE BENEFITS PLAN
Mixed104 covered·3 carriers
Primary: COMPANION LIFE INSURANCE COMPANY
Coverage overview
Aggregate, latest year
| Benefit type | Premium | Share | Distribution |
|---|---|---|---|
| Dental | $625K | 17.1% | |
| Vision | $625K | 17.1% | |
| Life | $588K | 16.0% | |
| Other | $588K | 16.0% | |
| Short-term disability | $571K | 15.6% | |
| Long-term disability | $571K | 15.6% | |
| Stop-loss | $96K | 2.6% |
Carrier overview
4 carriers · all plans
| Carrier | Coverage | Total premium | Share | Plans | Contracts | Covered |
|---|---|---|---|---|---|---|
EIN 135123390 | DVLSTDLTDOth | $571K | 77.2% | 1 | 1 | 607 |
EIN 800495896 | SL | $96K | 13.0% | 1 | 1 | 95 |
EIN 620427913 | DV | $55K | 7.4% | 1 | 1 | 86 |
EIN 710505232 | LOth | $17K | 2.3% | 1 | 1 | 104 |
Broker overview
6 brokers · all plans
| Broker | Loc | Carriers | Commissions | Fees | Total comp | Share | Plans |
|---|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC | KANSAS CITY, MO | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $82K | $17K | $99K | 78.4% | 1 |
| UNKNOWN | MEMPHIS, TN | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $11K | $11K | 8.9% | 1 |
| RAYMOND B LINGLE | — | COMPANION LIFE INSURANCE COMPANY | $7K | $0 | $7K | 5.6% | 1 |
| RAYMOND RATLIFF | CHATTANOOGA, TN | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $6K | $0 | $6K | 4.5% | 1 |
| HAREN INSURANCE INC | CHATTANOOGA, TN | USABLE LIFE | $2K | $0 | $2K | 1.7% | 1 |
| GROUP INSURANCE SERVICES INC | CHATTANOOGA, TN | USABLE LIFE | $1K | $0 | $1K | 0.8% | 1 |
Policy details
Latest year, by plan