| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRED MOORE3 | 605 CHESTNUT STREET, SUITE 500 CHATTANOOGA, TN 37450 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $33K | — | $33K | 3.27% |
| FRED MOORE3 | 605 CHESTNUT STREET, SUITE 500 CHATTANOOGA, TN 37450 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $31K | — | $31K | 9.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 318330070 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 10.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 318330070 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 7.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER, A MARCH & MCLENNAN | 11330 LAKEFIELD DR SUITE 100 JOHNS CREEK, GA 300971578 | UNITED HEALTH CARE INSURANCE COMPANY | $592 | — | $592 | 4.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR SUITE 100 JOHNS CREEK, GA 300971578 | UNITED HEALTH CARE INSURANCE COMPANY | $561 | — | $561 | 4.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 318330070 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.13% |
| KAREN PICCININI3 Filed as: KAREN ELAINE PICCININI | 425 W. COLONIAL DRIVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $588 | $29 | $617 | 8.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO | PO BOX 70 WEST POINT, GA 31833 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $465 | $23 | $488 | 6.37% |
| JOHN PICCININI3 Filed as: JOHN LOUIS PICCININI | 425 W. COLONIAL DRIVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $12 | $108 | 1.41% |
| VAUGHN GROUP INC3 Filed as: THE VAUGHN GROUP INC. | 201 SOUTH ORANGE AVE ORLANDO, FL 32801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.98% |
| KLD INSURANCE BENEFITS INC3 | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $20 | $42 | 0.55% |
| SEASIDE INSURANCE INC Filed as: SEASIDE INSURANCE INC. | 201 SOUTH ORANGE AVE ORLANDO, FL 32801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.26% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE INC. | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.24% |
| GRACE V NEAD3 Filed as: GRACE NEAD | 1015 STATE PARK ROAD GREENVILLE, SC 29609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.10% |
| RYAN BOWLING3 | 8575 WEST 110TH STREET OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.09% |
| KEITH TOBIAS3 Filed as: KEITH STANLEY TOBIAS | 1366 DUNRAVEN MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| GCG FINANCIAL LLC3 Filed as: RAYMOND DICKERSON | 109 ROCHESTER RD EASLEY, SC 29640 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.03% |
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 | 231 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 150 | $1.3M |
| Dental | STANDARD INSURANCE COMPANY | 137 | $71K |
| Life insurance | STANDARD INSURANCE COMPANY | 109 | $19K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 34 | $20K |
| Long-term disability | STANDARD INSURANCE COMPANY | 109 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.