| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HICKS ARMOR3 Filed as: T HICKS AMOR | 701 MARKET STREET 735 BROAD STREET SUITE 100 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $53K | — | $53K | 2.90% |
| 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 | $27K | — | $27K | 13.00% |
| MGIS3 | 10 WEST BROADWAY, SUITE 800 SALT LAKE CITY, UT 84101 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $210 | $210 | 0.10% |
| 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 | $16K | — | $16K | 16.15% |
| MGIS3 | 10 WEST BROADWAY, SUITE 800 SALT LAKE CITY, UT 84101 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $210 | $210 | 0.21% |
| 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 | $10K | — | $10K | 15.00% |
| MGIS3 | 10 WEST BROADWAY,SUITE 800 SALT LAKE CITY, UT 84101 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $210 | $210 | 0.30% |
| THOMAS HICKS ARMOR3 | 1244 LONGHOLM CT 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 | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | 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 OF CANADA | $2K | — | $2K | 15.00% |
| MGIS3 | 10 WEST BROADWAY, SUITE 800 SALT LAKE CITY, UT 84101 | SUN LIFE ASSURANCE OF CANADA | — | $200 | $200 | 2.00% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 477 | $1.8M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 477 | $1.8M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 477 | $1.8M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 322 | $70K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 156 | $98K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 322 | $208K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 322 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 477 | — |
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.