| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GUY MORRISON3 | 5555 GLENRIDGE CONNECTOR SUITE 600 ATLANTA, GU 30342 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $76K | — | $76K | 3.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 5555 GLENRIDGE CONNECTOR SUITE 600 ATLANTA, GA 30342 | GUARDIAN | $35K | — | $35K | 13.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 5555 GLENRIDGE CONNECTOR SUITE 600 ATLANTA, GA 30342 | DELTA DENTAL OF TENNESSEE | $8K | — | $8K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 5555 GLENRIDGE CONNECTOR SUITE 600 ATLANTA, GA 30342 | CIGNA HEALTH AND LIFE INSURANCE COMAPNY | $287 | — | $287 | 10.00% |
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 | 320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 535 | $2.2M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 550 | $2.4M |
| Vision | GUARDIAN | 320 | $259K |
| Life insurance | GUARDIAN | 320 | $259K |
| Short-term disability | GUARDIAN | 320 | $259K |
| Long-term disability | GUARDIAN | 320 | $259K |
| Other | GUARDIAN | 320 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 550 | — |
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."
No prospect flags tripped on this filing.