| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO (TN) | 605 CHESTNUT STREET LIBERTY TOWER SUITE 500 CHATTANOOGA, TN 37450 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $64K | — | $64K | 9.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 UNION SQUARE 303 KRYSTAL BUILDING CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $42K | — | $42K | 8.70% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | — | $18K | $18K | 3.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO (TN) | 605 CHESTNUT STREET LIBERTY TOWER SUITE 500 CHATTANOOGA, TN 37450 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $23K | — | $23K | 10.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY LLC CO | 300 WEST 10TH STREET WEST POINT, GA 31833 | UNION SECURITY INSURANCE COMPANY | $15K | — | $15K | 8.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 605 CHESTNUT STREET LIBERTY TOWER SUITE 500 CHATTANOOGA, TN 37450 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 1.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 605 CHESTNUT STREET LIBERTY TOWER SUITE 500 CHATTANOOGA, TN 37450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 605 CHESTNUT STREET LIBERTY TOWER SUITE 500 CHATTANOOGA, TN 37450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 605 CHESTNUT STREET LIBERTY TOWER SUITE 500 CHATTANOOGA, TN 37450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 605 CHESTNUT STREET LIBERTY TOWER SUITE 500 CHATTANOOGA, TN 37450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 605 CHESTNUT STREET LIBERTY TOWER SUITE 500 CHATTANOOGA, TN 37450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 605 CHESTNUT STREET LIBERTY TOWER SUITE 500 CHATTANOOGA, TN 37450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| THE DYER AGENCY3 | PO BOX 4160 CHATTANOOGA, TN 37405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $235 | $235 | 1.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 605 CHESTNUT STREET LIBERTY TOWER SUITE 500 CHATTANOOGA, TN 37450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 60.00% |
| THE DYER AGENCY3 | PO BOX 4160 CHATTANOOGA, TN 37405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $169 | $169 | 1.25% |
| THE DYER AGENCY3 | PO BOX 4160 CHATTANOOGA, TN 37405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $137 | $137 | 1.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 605 CHESTNUT STREET LIBERTY TOWER SUITE 500 CHATTANOOGA, TN 37450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 60.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 605 CHESTNUT STREET LIBERTY TOWER SUITE 500 CHATTANOOGA, TN 37450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $547 | — | $547 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 UNION SQUARE SUITE 303 CHATTANOOGA, TN 37402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $405 | — | $405 | 12.18% |
| THE DYER AGENCY3 | PO BOX 4160 CHATTANOOGA, TN 37405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26 | — | $26 | 0.78% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 UNION SQUARE SUITE 303 CHATTANOOGA, TN 37402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $263 | — | $263 | 21.95% |
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 | 610 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 616 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SYMETRA LIFE INSURANCE COMPANY | 987 | $479K |
| Dental(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,296 | $1.1M |
| Vision(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,296 | $917K |
| Life insurance(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 760 | $170K |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 303 | $156K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 181 | $72K |
| Stop-loss / reinsurancereinsurance(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,296 | $917K |
| Other(10 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 987 | $588K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,296 | — |
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.