| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRED MOORE3 | PO BOX 58 PIGEON FORGE, TN 37868 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $32K | — | $32K | 3.46% |
| FRED MOORE3 | PO BOX 11248 CHATTANOOGA, TN 37401 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $31K | — | $31K | 9.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 318330070 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 12.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 318330070 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 318330070 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR SUITE 100 JOHNS CREEK, GA 300971578 | UNITED HEALTH CARE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| KAREN PICCININI3 Filed as: KAREN ELAINE PICCININI | 425 W. COLONIAL DRIVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $587 | $114 | $701 | 8.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $436 | $72 | $508 | 6.05% |
| JOHN PICCININI3 Filed as: JOHN LOUIS PICCININI | 425 W. COLONIAL DRIVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | $19 | $111 | 1.32% |
| VAUGHN GROUP INC3 Filed as: THE VAUGHN GROUP | C/O THE VAUGHN GROUP INC ORLANDO, FL 32853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | — | $71 | 0.85% |
| KLD INSURANCE BENEFITS INC3 | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $13 | $33 | 0.39% |
| ROBERT COLE3 Filed as: ROBERT S. COLE | 115 LAKESIDE PARK CT HENDERSONVILLE, TN 37075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.29% |
| STEVEN VERMETTE INC3 Filed as: STEVEN R. VERMETTE | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.26% |
| GRACE V NEAD3 Filed as: GRACE NEAD | 1015 STATE PARK ROAD GREENVILLE, SC 29609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.12% |
| RYAN BOWLING3 | 8575 WEST 110TH STREET OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.11% |
| KEITH TOBIAS3 Filed as: KEITH STANLEY TOBIAS | 1366 DUNRAVEN MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| GCG FINANCIAL LLC3 Filed as: RAYMOND DICKERSON | 109 ROCHESTER RD EASLEY, SC 29640 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.04% |
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 | 240 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 160 | $1.3M |
| Dental | STANDARD INSURANCE COMPANY | 147 | $73K |
| Life insurance | STANDARD INSURANCE COMPANY | 113 | $18K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 34 | $20K |
| Long-term disability | STANDARD INSURANCE COMPANY | 113 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.