| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 5555 GLENRIDGE CONNECTOR STE 600 ATLANTA, GA 30342 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $62K | $0 | $62K | 3.54% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | ONE CAMERON PARKWAY CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | $13K | $0 | $13K | 11.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | COMPANION LIFE INSURANCE COMPANY | $9K | $0 | $9K | 7.35% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | ONE CAMERON PARKWAY CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | $13K | $0 | $13K | 12.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | COMPANION LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 5555 GLENRIDGE CONNECTOR ST 600 ATLANTA, GA 30342 | DELTA DENTAL OF TENNESSEE | $5K | $0 | $5K | 5.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | ONE CAMERON PARKWAY CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | $625 | $0 | $625 | 11.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | COMPANION LIFE INSURANCE COMPANY | $404 | $0 | $404 | 7.49% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 383 | $1.8M |
| Dental | DELTA DENTAL OF TENNESSEE | 434 | $94K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 383 | $1.8M |
| Life insurance(3 contracts) | COMPANION LIFE INSURANCE COMPANY | 151 | $231K |
| Short-term disability(3 contracts) | COMPANION LIFE INSURANCE COMPANY | 151 | $231K |
| Long-term disability(3 contracts) | COMPANION LIFE INSURANCE COMPANY | 151 | $231K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 383 | $1.8M |
| Other(3 contracts) | COMPANION LIFE INSURANCE COMPANY | 151 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.