| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEBORAH KENNEDY3 | 736 MARKET ST STE 100 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $33K | — | $33K | 4.77% |
| PAMELA LAWHORN3 | 736 MARKET ST STE 1000 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $9K | — | $9K | 1.25% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.57% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.44% |
| THE BENEFIT COMPANY INC3 | PO BOX 23127 COLUMBIA, SC 29224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 23127 COLUMBIA, SC 29224 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.14% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.42% |
| THE BENEFIT COMPANY INC3 | PO BOX 23127 COLUMBIA, SC 29224 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DR ST 1800 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $746 | — | $746 | 2.85% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR ST 1800 GREENSBORO, NC 27409 | STANDARD INSURANCE COMPANY | $351 | — | $351 | 1.34% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.22% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.78% |
| THE BENEFIT COMPANY INC3 | PO BOX 23127 COLUMBIA, SC 29224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.57% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.43% |
| THE BENEFIT COMPANY INC3 | PO BOX 23127 COLUMBIA, SC 29224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.11% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.89% |
| THE BENEFIT COMPANY INC3 | PO BOX 23127 COLUMBIA, SC 29224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC4 | 214 N TYRON ST FLOOR 46 CHARLOTTE, NC 28202 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $307 | — | $307 | 14.73% |
| WILLIAM C SULLIVAN4 | 2225 PARKWAY #43 PIGEON FORGE, TN 37863 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $224 | — | $224 | 10.75% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $158 | — | $158 | 8.30% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $127 | — | $127 | 6.67% |
| THE BENEFIT COMPANY INC3 | PO BOX 23127 COLUMBIA, SC 29224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $95 | $95 | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MED INVESTORS DEVELOPMENT, LLC EIN 46-3155880 | Other services Service code 49 | 1110 MARKET STREET, SUITE 502 CHATTANOOGA, TN 37402 | $18K |
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 | 109 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 109 | $687K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 109 | $687K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 109 | $687K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $54K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 39 | $20K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 99 | $22K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.