| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 605 CHESTNUT STREET LIBERTY TOWER SUITE 500 CHATTANOOGA, TN 37450 | AMERITAS LIFE INSURANCE CORP. | $7K | — | $7K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DRIVE SUITE 100 BUILDING 1 DULUTH, GA 30097 | AMERITAS LIFE INSURANCE CORP. | — | $2K | $2K | 2.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 413 NORTH SHORE DRIVE SOUTHWEST KNOXVILLE, TN 37919 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.04% |
| MARSH & MCLENNAN AGENCY LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $206 | $206 | 1.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 UNION SQUARE SUITE 303 CHATTANOOGA, TN 37402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.95% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $245 | $245 | 1.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 UNION SQUARE SUITE 303 CHATTANOOGA, TN 37402 | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 13.16% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | STARMOUNT LIFE INSURANCE COMPANY | — | $180 | $180 | 1.92% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $38 | $1K | 16.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $114 | $114 | 1.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO OF AL INC | PO BOX 70 WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | — | $38 | $38 | 0.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BOULEVARD SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1 | $1 | 0.01% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 254 | $1.2M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 119 | $75K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 73 | $9K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 160 | $13K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 41 | $20K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 67 | $8K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 160 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.