| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES MCKEEHAN3 | PO BOX 809 ATHENS, TN 37371 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $23K | — | $23K | 4.63% |
| ATHENS INSURANCE3 Filed as: ATHENS INSURANCE COMPANY INC | PO BOX 809 ATHENS, TN 37371 | STARMOUNT LIFE INSURANCE COMPANY | $4K | — | $4K | 9.59% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | STARMOUNT LIFE INSURANCE COMPANY | — | $2K | $2K | 4.64% |
| WILLIAM R BLAKELY3 Filed as: WILLIAM MARK SOLIS | 6400 EAST BRAINERD ROAD SUITE 140 CHATTANOOGA, TN 37421 | LIFE INSURANCE COMPANY OF ALABAMA | $13K | — | $13K | 36.72% |
| FLORA INSURANCE AGENCY3 | 6400 EAST BRAINERD ROAD SUITE 140 CHATTANOOGA, TN 37421 | LIFE INSURANCE COMPANY OF ALABAMA | $4K | — | $4K | 11.58% |
| JOHN SMYTH3 | 345 MONTVUE AVENUE MORRISTOWN, TN 37813 | LIFE INSURANCE COMPANY OF ALABAMA | $972 | — | $972 | 2.67% |
| EMPLOYEE BENEFIT SPECIALISTS3 | 345 MONTVUE AVENUE MORRISTOWN, TN 37813 | LIFE INSURANCE COMPANY OF ALABAMA | $662 | — | $662 | 1.82% |
| ATHENS INSURANCE3 Filed as: ATHENS INSURANCE COMPANY INC | PO BOX 809 ATHENS, TN 37371 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.16% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 4.59% |
| ATHENS INSURANCE3 Filed as: ATHENS INSURANCE COMPANY INC | PO BOX 809 ATHENS, TN 37371 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.54% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $948 | $948 | 4.51% |
| ATHENS INSURANCE3 Filed as: ATHENS INSURANCE COMPANY INC | PO BOX 809 ATHENS, TN 37371 | UNUM INSURANCE COMPANY | $763 | — | $763 | 11.18% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION STREET COLUMBIA, SC 29201 | UNUM INSURANCE COMPANY | — | $427 | $427 | 6.25% |
| ATHENS INSURANCE3 Filed as: ATHENS INSURANCE COMPANY INC | PO BOX 809 ATHENS, TN 37371 | UNUM INSURANCE COMPANY | $886 | — | $886 | 13.79% |
| THE CASON GROUP INC3 | 1612 MARION STREET COLUMBIA, SC 29201 | UNUM INSURANCE COMPANY | — | $385 | $385 | 5.99% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 53 | $493K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 71 | $37K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 71 | $37K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $46K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $25K |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF ALABAMA | 103 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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.
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.