| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARY G GARDENHIRE3 Filed as: MARY GARDENHIRE | 1705 ESTRELLITA CIRCLE CHATTANOOGA, TN 37421 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | $3K | $22K | 6.30% |
| DOUGLAS DYER3 | 605 CHESTNUT STREET SUITE 500 CHATTANOOGA, TN 37405 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | $3K | $22K | 6.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | P.O. BOX 70 WEST POINT, GA 31833 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $657 | $8K | 7.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 605 CHESTNUT STREET SUITE 500 LIBERTY TOWERS CHATTANOOGA, TN 37450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $208 | $7K | 6.62% |
| MARY G GARDENHIRE3 | 1705 ESTRELLITA CIRCLE CHATTANOOGA, TN 37421 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.02% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 111 | $355K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 111 | $355K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 111 | $355K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $108K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $108K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $108K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.