| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $0 | $33K | $33K | 1.71% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1120 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | SYMETRA LIFE INSURANCE COMPANY | $32K | $0 | $32K | 1.66% |
| AON CONSULTING INC3 | 950 MAIN AVE STE 1600 CLEVELAND, OH 44113 | SYMETRA LIFE INSURANCE COMPANY | $29K | $0 | $29K | 1.48% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL OF TENNESSEE | $29K | $0 | $29K | 3.00% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY AGENCY, LLC | ONE SEAGATE STE 2050 TOLEDO, OH 43604 | HM LIFE INSURANCE COMPANY | $29K | $0 | $29K | 14.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 321 N CLARK STREET SUITE 940 CHICAGO, IL 60654 | RELIASTAR LIFE INSURANCE COMPANY | $9K | $5K | $14K | 8.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 75 STATE ST STE 1710 BOSTON, MA 02109 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $569 | $5K | 7.41% |
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 | 3,437 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 79 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,516 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SYMETRA LIFE INSURANCE COMPANY | 2,701 | $1.9M |
| Dental | DELTA DENTAL OF TENNESSEE | 2,459 | $976K |
| Vision | HM LIFE INSURANCE COMPANY | 2,393 | $191K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 3,437 | $170K |
| Prescription drug | SYMETRA LIFE INSURANCE COMPANY | 2,701 | $1.9M |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 3,437 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,437 | — |
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."
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.