| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GUY MORRISON3 | 5555 GLENRIDGE CONNECTOR STE 600 ATLANTA, GA 30342 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $93K | $0 | $93K | 3.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | COMPANION LIFE INSURANCE COMPANY | $31K | $0 | $31K | 27.57% |
| GROUP INSURANCE SERVICES INC3 | ONE CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | COMPANION LIFE INSURANCE COMPANY | $29K | $0 | $29K | 25.80% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | ONE CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 5555 GLENRIDGE CONNECTOR STE 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 GREENVILLE, SC 29607 | COMPANION LIFE INSURANCE COMPANY | $1K | $0 | $1K | 45.06% |
| GROUP INSURANCE SERVICES INC3 | ONE CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | $180 | $0 | $180 | 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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 362 | $2.4M |
| Dental | DELTA DENTAL OF TENNESSEE | 427 | $103K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 362 | $2.4M |
| Life insurance(3 contracts) | COMPANION LIFE INSURANCE COMPANY | 136 | $228K |
| Short-term disability(3 contracts) | COMPANION LIFE INSURANCE COMPANY | 136 | $228K |
| Long-term disability(3 contracts) | COMPANION LIFE INSURANCE COMPANY | 136 | $228K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 362 | $2.4M |
| Other(3 contracts) | COMPANION LIFE INSURANCE COMPANY | 136 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.