| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS WRIGHT3 | 605 CHESTNUT STREET SUITE 500 CHATTANOOGA, TN 37450 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $109K | $0 | $109K | 3.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1 UNION SQ SUITE 303 CHATTANOOGA, TN 37402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 15.00% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 5.00% |
| BH PREFERRED LLC3 | 1900 CHURCH STREET SUITE 402 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $845 | $2K | 1.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY, LLC | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 1.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $1K | $13K | 16.75% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 5.00% |
| BH PREFERRED LLC3 | 1900 CHURCH STREET SUITE 402 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $514 | $85 | $599 | 0.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $772 | $4K | 8.77% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.00% |
| BH PREFERRED LLC3 | 1900 CHURCH STREET SUITE 402 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $265 | $21 | $286 | 0.65% |
| THE CASON GROUP INC3 | 1612 MARION STREET COLUMBIA, SC 29201 | UNUM INSURANCE COMPANY | $4K | $288 | $4K | 13.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY, LLC | 1 UNION SQ SUITE 303 CHATTANOOGA, TN 37402 | UNUM INSURANCE COMPANY | $4K | $0 | $4K | 12.58% |
| BH PREFERRED LLC3 | 1900 CHURCH STREET SUITE 402 NASHVILLE, TN 37203 | UNUM INSURANCE COMPANY | $985 | $0 | $985 | 2.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 70 WEST POINT, GA 31833 | UNUM INSURANCE COMPANY | $0 | $444 | $444 | 1.33% |
| THE CASON GROUP INC3 | 1612 MARION STREET COLUMBIA, SC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $164 | $2K | 8.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1 UNION SQ SUITE 303 CHATTANOOGA, TN 37402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 7.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLELLAN AGENCY, LLC | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $229 | $229 | 0.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 605 CHESTNUT STREET SUITE 500 CHATTANOOGA, TN 37250 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 34.67% |
| WELLS WRIGHT3 | 605 CHESTNUT STREET SUITE 500 CHATTANOOGA, TN 37450 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 14.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 605 CHESTNUT STREET SUITE 500 CHATTANOOGA, TN 37250 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $911 | $0 | $911 | 34.82% |
| WELLS WRIGHT3 | 605 CHESTNUT STREET SUITE 500 CHATTANOOGA, TN 37450 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $391 | $0 | $391 | 14.95% |
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 | 704 | 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) | 704 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 728 | $2.9M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 728 | $2.9M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 728 | $2.9M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 704 | $44K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $102K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $102K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 704 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 728 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.