| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS K. GREGORY3 | 735 BROAD STREET CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $39K | — | $39K | 3.08% |
| MARC M. ERICKSON3 | PO BOX 6217 CHATTANOOGA, TN 37401 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $12K | — | $12K | 0.98% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 735 BROAD STREET SUITE 100 CHATTANOOGA, TN 37402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $813 | $12K | 10.32% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY INC | PO BOX 211486 COLUMBIA, SC 292216486 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $451 | $3K | $4K | 3.40% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 735 BROAD STREET, SUITE 100 CHATTANOOGA, TN 37402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $433 | $9K | 15.12% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 292216486 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $361 | $2K | $2K | 3.60% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | 735 BROAD STREET SUITE 100 CHATTANOOGA, TN 37402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $213 | $4K | 15.12% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY INC | PO BOX 211486 COLUMBIA, SC 292216486 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $178 | $889 | $1K | 3.60% |
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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 342 | $1.3M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 342 | $1.3M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 342 | $1.3M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 226 | $90K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 226 | $173K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 226 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.