| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL OF TENNESSEE | $92K | $0 | $92K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK STREET, SUITE 940 CHICAGO, IL 60654 | RELIASTAR LIFE INSURANCE COMPANY | $120K | $72K | $192K | 8.74% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY AGENCY, LLC | ONE SEAGATE STE 2050 TOLEDO, OH 43604 | HM LIFE INSURANCE COMPANY | $40K | $0 | $40K | 8.70% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 3560 LENOX RD SUITE 2400 ATLANTA, GA 30326 | HM LIFE INSURANCE COMPANY | $29K | $0 | $29K | 6.30% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1120 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | SYMETRA LIFE INSURANCE COMPANY | $12K | $0 | $12K | 3.17% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.50% |
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 | 3,002 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 68 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,094 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 9,654 | $3.1M |
| Vision | HM LIFE INSURANCE COMPANY | 8,427 | $460K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 5,494 | $2.2M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 5,494 | $2.2M |
| Prescription drug | SYMETRA LIFE INSURANCE COMPANY | 287 | $368K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,494 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,654 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.