| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GERALD ESCOBAR3 | 4900 LIBBIE MILL EAST BLVD STE 100 RICHMOND, VA 23230 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $0 | $106K | $106K | 3.51% |
| MARSH & MCLENNAN AGENCY LLC3 | 605 CHESTNUT ST STE 500 CHATTANOOGA, TN 374500021 | PRINCIPAL LIFE INSURANCE COMPANY | $36K | $0 | $36K | 15.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFIT INC | 422 WAUPONSEE ST MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | -$563 | -$563 | -0.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | — | COMBINED INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 14.11% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | — | COMBINED INSURANCE COMPANY OF AMERICA | $421 | $0 | $421 | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | — | COMBINED INSURANCE COMPANY OF AMERICA | $356 | $0 | $356 | 0.81% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP | — | COMBINED INSURANCE COMPANY OF AMERICA | $356 | $0 | $356 | 0.81% |
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 | 273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 555 | $3.0M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 555 | $3.0M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 555 | $3.0M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 464 | $242K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 464 | $242K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 464 | $242K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 464 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 555 | — |
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.