| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRED MOORE3 | 605 CHESTNUT STREET, SUITE 500 CHATTANOOGA, TN 37450 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $75K | — | $75K | 5.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO | PO BOX 16965 ATLANTA, GA 30321 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $38 | $10K | 13.61% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $997 | $4K | 5.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 PARK 80 PLAZA SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $870 | $870 | 1.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRE RIDGE BLVD SUITE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.02% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INUSRANCE COMPANY | — | $699 | $699 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INUSRANCE COMPANY | $699 | — | $699 | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INUSRANCE COMPANY | — | $85 | $85 | 0.61% |
| KAREN PICCININI3 Filed as: KAREN ELAINE PICCININI | 425 W. COLONIAL DRIVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $519 | $133 | $652 | 9.15% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $496 | $44 | $540 | 7.58% |
| JOHN PICCININI3 Filed as: JOHN LOUIS PICCININI | 425 W. COLONIAL DRIVE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | $9 | $115 | 1.61% |
| KLD INSURANCE BENEFITS INC3 | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $6 | $29 | 0.41% |
| STEVEN VERMETTE INC3 Filed as: STEVEN VERMETTE INC. | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.08% |
| GRACE V NEAD3 Filed as: GRACE NEAD | 1015 STATE PARK ROAD GREENVILLE, SC 29609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.06% |
| KEITH TOBIAS3 Filed as: KEITH STYANLEY TOBIAS | 1366 DUNRAVEN MURFREESBORO, TN 37128 | 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 | $3K | $464 | $3K | — |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD INSURANCE COMPANY | $1K | — | $1K | — |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD INSURANCE COMPANY | — | $232 | $232 | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO | 11330 LAKEFIELD DR SUITE 100 DULUTH, GA 30097 | RELIANCE STANDARD INSURANCE COMPANY | $2K | $310 | $3K | — |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD INSURANCE COMPANY | $811 | — | $811 | — |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD INSURANCE COMPANY | — | $155 | $155 | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO | 11330 LAKEFIELD DR SUITE 100 DULUTH, GA 30097 | RELIANCE STANDARD INSURANCE COMPANY | $2K | $209 | $2K | — |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD INSURANCE COMPANY | $542 | — | $542 | — |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD INSURANCE COMPANY | — | $105 | $105 | — |
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 | 228 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 209 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 331 | $77K |
| Vision | THE LINCOLN NATIONAL LIFE INUSRANCE COMPANY | 161 | $14K |
| Life insurance | RELIANCE STANDARD INSURANCE COMPANY | 89 | $0 |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 25 | $7K |
| Long-term disability | RELIANCE STANDARD INSURANCE COMPANY | 89 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.