| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRED MOORE3 | 605 CHESTNUT STREET, SUITE 500 CHATTANOOGA, TN 37450 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $48K | — | $48K | 3.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER, A MARCH & MCLENNAN | PO BOX 16965 ATLANTA, GA 303210965 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 13.65% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 6.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 PARK 80 BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $638 | $638 | 1.14% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INUSRANCE COMPANY | — | $558 | $558 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INUSRANCE COMPANY | $309 | — | $309 | 2.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR SUITE 100 JOHNS CREEK, GA 300971508 | THE LINCOLN NATIONAL LIFE INUSRANCE COMPANY | $248 | — | $248 | 2.22% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INUSRANCE COMPANY | — | $213 | $213 | 1.91% |
| KAREN PICCININI3 Filed as: KAREN ELAINE PICCININI | 425 W. COLONIAL DRIVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $949 | $650 | $2K | 20.26% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $831 | $136 | $967 | 12.25% |
| JOHN PICCININI3 Filed as: JOHN LOUIS PICCININI | 425 W. COLONIAL DRIVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $182 | $4 | $186 | 2.36% |
| SEASIDE INSURANCE INC3 Filed as: SEASIDE INSURANCE INC. | 201 SOUTH ORANGE AVE ORLANDO, FL 32801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.58% |
| COLONIAL LIFE BROKERAGE LLC3 | 12010 BROOKFIELD CLUB RD ROSWELL, GA 30075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $9 | $30 | 0.38% |
| KLD INSURANCE BENEFITS INC3 | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $1 | $11 | 0.14% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE INC. | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.13% |
| GRACE V NEAD3 Filed as: GRACE NEAD | 1015 STATE PARK ROAD GREENVILLE, SC 29609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.08% |
| EOB CONSULTING LLC3 | 2500 NORTHWINDS PARKWAY ALPHARETTA, GA 30009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| RYAN BOWLING3 | 8575 WEST 110TH STREET OVERLAND PARK, KS 66210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| GCG FINANCIAL LLC3 Filed as: RAYMOND DICKERSON | 109 ROCHESTER RD EASLEY, SC 29640 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| KEITH TOBIAS3 Filed as: KEITH STYANLEY TOBIAS | 1366 DUNRAVEN MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| ALLEGIANT BENEFITS & SERVICES LLC3 | 7512 DR PHILLIPS BLVD ORLANDO, FL 32819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| CHARLES AUGUSTUS RAY | 12010 BROOKFIELD CLUB RD ROSWELL, GA 30075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO | 11330 LAKEFIELD DR SUITE 100 DULUTH, GA 30097 | RELIANCE STANDARD INSURANCE COMPANY | $4K | — | $4K | — |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD INSURANCE COMPANY | $1K | — | $1K | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO | 11330 LAKEFIELD DR SUITE 100 DULUTH, GA 30097 | RELIANCE STANDARD INSURANCE COMPANY | $3K | — | $3K | — |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD INSURANCE COMPANY | $965 | — | $965 | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO | 11330 LAKEFIELD DR SUITE 100 DULUTH, GA 30097 | RELIANCE STANDARD INSURANCE COMPANY | $2K | — | $2K | — |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD INSURANCE COMPANY | $670 | — | $670 | — |
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 | 169 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 195 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 267 | $56K |
| Vision | THE LINCOLN NATIONAL LIFE INUSRANCE COMPANY | 96 | $11K |
| Life insurance | RELIANCE STANDARD INSURANCE COMPANY | 170 | $0 |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 41 | $8K |
| Long-term disability | RELIANCE STANDARD INSURANCE COMPANY | 170 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.