| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRED MOORE3 | 605 CHESTNUT STREET SUITE 500 CHATTANOOGA, TN 37450 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $64K | — | $64K | 3.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 UNION SQUARE SUITE 303 CHATTANOOGA, TN 37402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.62% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 UNION SQUARE SUITE 303 CHATTANOOGA, TN 37402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.54% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $952 | $952 | 3.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO A MARSH & MCLEN | PO BOX 70 WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 52.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $195 | $195 | 4.36% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 388 | $1.8M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 388 | $1.8M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 388 | $1.8M |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $81K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $54K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.