| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS ARMOR3 Filed as: THOMAS H ARMOR | 701 MARKET STREET SUITE 500 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $75K | — | $75K | 4.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC | 565 MARRIOTT DRIVE SUITE 500 NASHVILLE, TN 37402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $1K | $22K | 10.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC | PO BOX 291029 NASHVILLE, TN 37229 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $652 | $14K | 6.61% |
| DONALD HURWITZ3 Filed as: DONALD S HURWITZ III | 1600 DIVISION STREET SUITE 400 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC | 565 MARRIOTT DRIVE SUITE 500 NASHVILLE, TN 37402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $281 | $6K | 14.19% |
| DONALD HURWITZ3 Filed as: DONALD S HURWITZ III | 1600 DIVISION STREET SUITE 400 NASHVILLE, TN 37203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $616 | — | $616 | 1.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE, INC. | 701 MARKET STREET SUITE 500 CHATTANOOGA, TN 37402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 13.00% |
| THOMAS HICKS ARMOR3 Filed as: THOMAS ARMOR HICKS | 1244 LONGHOLM COURT CHATTANOOGA, TN 37405 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC | PO BOX 291029 NASHVILLE, TN 37229 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $254 | $254 | 0.77% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE, INC. | 701 MARKET STREET SUITE 500 CHATTANOOGA, TN 37402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 20.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE, INC. | 701 MARKET STREET SUITE 500 CHATTANOOGA, TN 37402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE, INC. | 701 MARKET STREET SUITE 500 CHATTANOOGA, TN 37402 | SUN LIFE ASSURANCE OF CANADA | $187 | — | $187 | 15.03% |
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 | 369 | 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) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 456 | $1.8M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 456 | $1.8M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 456 | $1.8M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 863 | $218K |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 863 | $253K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 863 | $241K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 356 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 863 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.