Reliance Partners, LLC
Updated Filing received by DOL
Reliance Partners, LLC, a finance & insurance employer in Chattanooga, Tennessee, reported 250 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $2.1M in insurance premiums across 8 contracts and $102,994 in broker commissions and fees, 3.6% of medical premium against a national median of 3.8% among plans that paid commissions in plan year 2024. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on June 1, 2026, before the deadline.
Who was paid on Reliance Partners, LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Reliance Partners, LLC filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Ryan Davis · Chattanooga, TN | $74,149 | $0 | $74,149 | 1 |
| Reliance Benefits, LLC · Chattanooga, TN | $27,369 | $1,476 | $28,845 | 6 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Bluecross Blueshield of Tennessee, Inc.health, dental, vision, prescription drug | 395 | $2.1M | $74,149 | 3.6% |
| Unum Life Insurance Company of Americalife, long-term disability | 281 | — | $7,621 | — |
| Unum Life Insurance Company of Americalife | 105 | — | $4,386 | — |
| Unum Life Insurance Company of Americashort-term disability | 87 | — | $6,647 | — |
| Unum Insurance Companycoverage not coded | 152 | — | $4,256 | — |
| Unum Insurance Companycoverage not coded | 93 | — | $3,154 | — |
| Unum Insurance Companycoverage not coded | 41 | — | $2,781 | — |
| Health Advocate Solutions, Inc.coverage not coded | 254 | — | — | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Reliance Partners, LLC compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Premium per covered person on medical contracts: $5,228 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 277 | 250 | −9.7% |
| Premiums filed | $1,780,922 | $2,065,019 | +16.0% |
| Broker commissions + fees | $96,230 | $102,994 | +7.0% |
| Commission rate | 3.9% | 3.6% | −0.4 pts |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Reliance Partners Health and Welfare Plan#501 · insurance, general assets | December 31, 2025 | June 1, 2026 | before deadline | 250 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Reliance Partners, LLC pay in health insurance broker commissions in 2025?
Reliance Partners, LLC's 2025 Form 5500 reports $102,994 in broker commissions and fees across 8 insurance contracts ($101,518 in commissions, $1,476 in fees), with Ryan Davis receiving the largest share.
Is Reliance Partners, LLC's health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Bluecross Blueshield of Tennessee, Inc..
How does Reliance Partners, LLC's broker compensation compare with similar employers?
Reliance Partners, LLC paid 3.6% of medical premium in commissions and fees. The median for employers with 200-499 participants is 3.6%, and the median in Tennessee is 3.9%. Percentages are computed only on fully insured medical contracts with filed premiums.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.