| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO (TN) | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $110K | — | $110K | 9.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $65K | — | $65K | 9.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 UNION SQUARE 303 KRYSTAL BUILDING CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $31K | — | $31K | 10.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | — | $16K | $16K | 5.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO A MAR | 605 CHESTNUT STREET LIBERTY TOWER SUITE 500 CHATTANOOGA, TN 37450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO A MAR | 605 CHESTNUT STREET LIBERTY TOWER SUITE 500 CHATTANOOGA, TN 37450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO A MAR | 605 CHESTNUT STREET LIBERTY TOWER SUITE 500 CHATTANOOGA, TN 37450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO A M | 605 CHESTNUT STREET LIBERTY TOWER SUITE 500 CHATTANOOGA, TN 37450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $713 | $4K | 12.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. AM | 605 CHESTNUT STREET LIBERTY TOWER SUITE 500 CHATTANOOGA, TN 37450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $600 | $3K | 12.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO A MAR | 605 CHESTNUT STREET LIBERTY TOWER SUITE 500 CHATTANOOGA, TN 37405 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO A MAR | 605 CHESTNUT STREET LIBERTY TOWER SUITE 500 CHATTANOOGA, TN 37450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $467 | $2K | 10.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO A MAR | 605 CHESTNUT STREET LIBERTY TOWER SUITE 500 CHATTANOOGA, TN 37450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $733 | $260 | $993 | 10.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. AM | 605 CHESTNUT STREET LIBERTY TOWER SUITE 500 CHATTANOOGA, TN 37450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $471 | $114 | $585 | 12.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 UNION SQUARE SUITE 303 CHATTANOOGA, TN 37402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 1.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. AM | 605 CHESTNUT STREET LIBERTY TOWER SUITE 500 CHATTANOOGA, TN 37450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO AM | 605 CHESTNUT STREET LIBERTY TOWER SUITE 500 CHATTANOOGA, TN 37450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO AM | 605 CHESTNUT STREET LIBERTY TOWER SUITE 500 CHATTANOOGA, TN 37405 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $698 | $698 | — |
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 | 631 | 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) | 631 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SYMETRA LIFE INSURANCE COMPANY | 527 | $315K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,299 | $1.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,299 | $1.1M |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 851 | $130K |
| Short-term disability(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 132 | $123K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 173 | $57K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,299 | $1.8M |
| Other(13 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,299 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,299 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.