| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARC J LASCESKI3 Filed as: MARC BYRNES | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $26K | — | $26K | 0.96% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $29K | — | $29K | 23.21% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | COMPANION LIFE INSURANCE COMPANY | $11K | $10 | $12K | 10.47% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | $8K | — | $8K | 7.29% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $1K | $23K | 21.83% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | HM LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| GROUP INS SERV INC3 | 1 CAMERON HILL CIRCLE #2G CHATTANOOGA, TN 37402 | HM LIFE INSURANCE COMPANY | $2K | — | $2K | 7.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES INC | 6100 FAIRVIEW RD, STE 1400 CHARLOTTE, NC 28210 | COMPANION LIFE INSURANCE COMPANY | $2K | $10 | $2K | 10.60% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 7.38% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE E. CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $563 | $10K | 55.02% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES INC | 611 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | COMPANION LIFE INSURANCE COMPANY | $2K | $10 | $2K | 9.67% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 6.73% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES INC | 6100 FAIRVIEW RD, STE 1400 CHARLOTTE, NC 28210 | COMPANION LIFE INSURANCE COMPANY | $738 | $10 | $748 | 10.77% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | $517 | — | $517 | 7.45% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | HM LIFE INSURANCE COMPANY | $499 | — | $499 | 10.00% |
| GROUP INS SERV INC3 | 1 CAMERON HILL CIRCLE #2G CHATTANOOGA, TN 37402 | HM LIFE INSURANCE COMPANY | $349 | — | $349 | 6.99% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | HM LIFE INSURANCE COMPANY | $370 | — | $370 | 9.99% |
| GROUP INS SERV INC3 | 1 CAMERON HILL CIRCLE #2G CHATTANOOGA, TN 37402 | HM LIFE INSURANCE COMPANY | $259 | — | $259 | 6.99% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES INC | 6100 FAIRVIEW RD, STE 1400 CHARLOTTE, NC 28210 | COMPANION LIFE INSURANCE COMPANY | $339 | $10 | $349 | 9.95% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | $237 | — | $237 | 6.76% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES INC | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | COMPANION LIFE INSURANCE COMPANY | $306 | $10 | $316 | 9.99% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | $214 | — | $214 | 6.76% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES INC | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | COMPANION LIFE INSURANCE COMPANY | $222 | $10 | $232 | 10.12% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | $155 | — | $155 | 6.76% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES INC | 6100 FAIRVIEW RD, STE 1400 CHARLOTTE, NC 28210 | COMPANION LIFE INSURANCE COMPANY | $146 | $10 | $156 | 10.30% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | $103 | — | $103 | 6.80% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | HM LIFE INSURANCE COMPANY | $146 | — | $146 | 9.98% |
| GROUP INS SERV INC3 | 1 CAMERON HILL CIRCLE #2G CHATTANOOGA, TN 37402 | HM LIFE INSURANCE COMPANY | $102 | — | $102 | 6.97% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES INC | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | COMPANION LIFE INSURANCE COMPANY | $125 | $10 | $135 | 10.42% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | $88 | — | $88 | 6.79% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | HM LIFE INSURANCE COMPANY | $121 | — | $121 | 9.98% |
| GROUP INS SERV INC3 | 1 CAMERON HILL CIRCLE #2G CHATTANOOGA, TN 37402 | HM LIFE INSURANCE COMPANY | $85 | — | $85 | 7.01% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | HM LIFE INSURANCE COMPANY | $78 | — | $78 | 10.03% |
| GROUP INS SERV INC3 | 1 CAMERON HILL CIRCLE #2G CHATTANOOGA, TN 37402 | HM LIFE INSURANCE COMPANY | $54 | — | $54 | 6.94% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | HM LIFE INSURANCE COMPANY | $48 | — | $48 | 10.11% |
| GROUP INS SERV INC3 | 1 CAMERON HILL CIRCLE #2G CHATTANOOGA, TN 37402 | HM LIFE INSURANCE COMPANY | $33 | — | $33 | 6.95% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | HM LIFE INSURANCE COMPANY | $27 | — | $27 | 9.96% |
| GROUP INS SERV INC3 | 1 CAMERON HILL CIRCLE #2G CHATTANOOGA, TN 37402 | HM LIFE INSURANCE COMPANY | $19 | — | $19 | 7.01% |
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 | 364 | 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) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 781 | $2.7M |
| Dental(9 contracts) | COMPANION LIFE INSURANCE COMPANY | 265 | $164K |
| Vision(8 contracts) | HM LIFE INSURANCE COMPANY | 277 | $49K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 364 | $142K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 364 | $125K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 364 | $125K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 402 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 781 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.