| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37207 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $68K | $2K | $70K | 19.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2002 RICHARD JONES ROAD, SUITE A306 NASHVILLE, TN 37215 | SYMETRA LIFE INSURANCE COMPANY | $16K | $3K | $19K | 17.61% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SYMETRA LIFE INSURANCE COMPANY | $0 | $990 | $990 | 0.94% |
| KEVIN MATTICE3 | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37207 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $7K | $0 | $7K | 7.47% |
| MICHAEL DAVIS3 | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37207 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $3K | $0 | $3K | 3.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 15.07% |
| JAIME HUTTON3 Filed as: JAIME M. HUTTON | 1893 HIGHWAY 25 GALLATIN, TN 37066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 10.07% |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 200 | $352K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 270 | $87K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 270 | $87K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 228 | $105K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 228 | $105K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 228 | $105K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 200 | $352K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 228 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.