| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUG GREGORY3 | 735 BROAD STREET STE 100 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $57K | — | $57K | 3.47% |
| 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 | $13K | $938 | $13K | 10.32% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY INC | PO BOX 211486 COLUMBIA, SC 292216486 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $521 | $4K | $4K | 3.40% |
| BB&T INSURANCE SERVICES, INC.3 | 735 BROAD STREET SUITE 100 CHATTANOOGA, TN 37402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $432 | $9K | 12.98% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 292216486 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $4K | 5.64% |
| BB&T INSURANCE SERVICES, INC.3 | 735 BROAD STREET SUITE 100 CHATTANOOGA, TN 37402 | PROVIDENT LIFE AND ACCIDENT COMPANY | $7K | — | $7K | 13.68% |
| 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 | $6K | $289 | $6K | 15.12% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY INC | PO BOX 211486 COLUMBIA, SC 292216486 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $241 | $1K | $1K | 3.60% |
| HUGHES, RUSSELL, THOMAS3 | 8603 CELEBRATION WAY CHATTANOOGA, TN 37421 | PROVIDENT LIFE AND ACCIDENT COMPANY | $318 | — | $318 | 8.53% |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 405 | $1.7M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 405 | $1.7M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 405 | $1.7M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 287 | $110K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 287 | $200K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 287 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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.