| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUG GREGORY3 | 735 BROAD STREET SUITE 100 CHATTANNOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $102K | — | $102K | 2.25% |
| LARA KENT3 | 12712 PARK CENTRAL DRIVE SUITE 100 DALLAS, TX 75251 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $49K | — | $49K | 1.07% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE | 735 BROAD STREET SUIKTE 100 CHATTANOOGA, TN 37402 | AMERICAN UNITED LIFE INSURANCE COMPANY | $19K | — | $19K | 6.67% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES, MURPHY & ASSOCIATES, LLC | 12712 PARK CENTRAL DRIVE DALLAS, TX 75251 | AMERICAN UNITED LIFE INSURANCE COMPANY | $19K | — | $19K | 6.65% |
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 | 3,019 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,019 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 909 | $4.5M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 909 | $4.5M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 909 | $4.5M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,943 | $283K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,943 | $283K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,943 | $283K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,943 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,943 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.