| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | COMMUNITY INSURANCE COMPANY | $29K | $2K | $31K | 3.49% |
| SHAWAN MARQUIS AGENCY INC3 | 110 EAST WILSON BRIDGE RD STE 260 COLUMBUS, OH 43085 | COMMUNITY INSURANCE COMPANY | $3K | $0 | $3K | 0.35% |
| GUY MORRISON3 | 5555 GLENRIDGE CONNECTOR STE 600 ATLANTA, GA 30342 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $89K | $0 | $89K | 10.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | COMPANION LIFE INSURANCE COMPANY | $13K | $0 | $13K | 11.67% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | ONE CAMERON PKWY CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | $9K | $0 | $9K | 7.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | COMPANION LIFE INSURANCE COMPANY | $13K | $0 | $13K | 11.96% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | ONE CAMERON PKWY CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.50% |
| 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% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 870 S PLEASANTBURG DR. GREENSVILLE, SC 29607 | COMPANION LIFE INSURANCE COMPANY | $574 | $0 | $574 | 11.86% |
| GROUP INSURANCE SERVICES INC3 | ONE CAMERON PARKWAY CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | $363 | $0 | $363 | 7.50% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 189 | $1.7M |
| Dental | DELTA DENTAL OF TENNESSEE | 417 | $106K |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 189 | $1.7M |
| Life insurance(3 contracts) | COMPANION LIFE INSURANCE COMPANY | 134 | $226K |
| Short-term disability(3 contracts) | COMPANION LIFE INSURANCE COMPANY | 134 | $226K |
| Long-term disability(3 contracts) | COMPANION LIFE INSURANCE COMPANY | 134 | $226K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 189 | $814K |
| Other(3 contracts) | COMPANION LIFE INSURANCE COMPANY | 134 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.