| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 5205 MARYLAND WAY, SUITE 300 BRENTWOOD, TN 37027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $116K | — | $116K | 2.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5205 MARYLAND WAY, SUITE 300 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $11K | — | $11K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5205 MARYLAND WAY, SUITE 300 BRENTWOOD, TN 37027 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $42K | — | $42K | 13.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5205 MARYLAND WAY, SUITE 300 BRENTWOOD, TN 37027 | VISION SERVICE PLAN | $7K | — | $7K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGER BENEFIT SERVICES, INC. | TWO PIERCE PLACE ITASCA, IL 60143 | USABLE LIFE | $311 | — | $311 | 7.13% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | ONE CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | USABLE LIFE | $194 | — | $194 | 4.45% |
| ALAN THOMAS BANKS3 Filed as: ALAN BANKS | 511 LONG HOLLOW PIKE GOODLETTSVILLE, TN 37072 | USABLE LIFE | $31 | — | $31 | 0.71% |
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 | 687 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 694 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,388 | $5.3M |
| Dental | DELTA DENTAL OF TENNESSEE | 1,399 | $378K |
| Vision | VISION SERVICE PLAN | 491 | $66K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 687 | $307K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 687 | $307K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 687 | $307K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,388 | $5.3M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 687 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,399 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.