| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS DYER3 Filed as: DOUGLAS M DYER | 605 CHESTNUT STREET SUITE 500 CHATTANOOGA, TN 37450 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 6.15% |
| MARY G GARDENHIRE3 | 1705 ESTRELLITA CIRCLE CHATTANOOGA, TN 37421 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 6.15% |
| MARY G GARDENHIRE3 Filed as: MARY GARDENHIRE | 1705 ESTRELLITA CIRCLE CHATTANOOGA, TN 37421 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 4.94% |
| DOUGLAS DYER3 | LIBERTY TOWER 605 CHESTNUM ST STE 500 CHATTANOOGA, TN 37450 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 4.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| FMLASOURCE INC5 | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $562 | $562 | 10.60% |
| MARY G GARDENHIRE3 | 1705 ESTRELLITA CIRCLE CHATTANOOGA, TN 37421 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $398 | — | $398 | 7.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $398 | — | $398 | 7.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $751 | — | $751 | 14.99% |
| MARY G GARDENHIRE3 | 1705 ESTRELLITA CIRCLE CHATTANOOGA, TN 37421 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $344 | — | $344 | 7.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $344 | — | $344 | 7.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $430 | — | $430 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $285 | — | $285 | 15.01% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 143 | $72K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 142 | $25K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 142 | $25K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $5K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $5K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.