| 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 | $109K | — | $109K | 7.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $17K | — | $17K | 1.27% |
| CRICHTON BRANDON JACKSON & WARD INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $16K | — | $16K | 1.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $67K | — | $67K | 7.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 1.29% |
| CRICHTON BRANDON JACKSON & WARD INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 1.21% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | — | $18K | 14.41% |
| ELIZABETH E REEVES3 | 1200 MOUNTAIN CREEK ROAD #102 CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | — | $16K | 12.47% |
| REBECCA L HOGAN3 | 145 OLD LEAD MINE VALLEY ROAD SOUTH CLEVELAND, TN 37311 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 3.32% |
| KACY A GRUENKEMEYER3 | 20 CHEROKEE BOULEVARD #306 CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.21% |
| SHARON MAY LINDSAY3 Filed as: SHARON B SESSOMS | 1431 ONEAL ROAD HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.94% |
| JAIME HUTTON3 | 1020 MONTROSE DRIVE GALLATIN, TN 37066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.94% |
| REBECCA L HOGAN3 | 145 OLD LEAD MINE VALLEY ROAD SOUTH CLEVELAND, TN 37311 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.33% |
| DAVID H MILLER3 | 640 CHESTERTOWN STREET GAITHERSBURG, MD 20878 | CONTINENTAL AMERICAN INSURANCE COMPANY | $605 | — | $605 | 0.49% |
| TAYLOR R THIGPEN3 | 1200 MOUNTAIN CREEK ROAD CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $402 | — | $402 | 0.32% |
| KERRIE L FULKERSON3 | 103 CHEROKEE BOULEVARD CHATTANOOGA, TN 37411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $302 | — | $302 | 0.24% |
| DREW SKIBITSKY3 Filed as: DREW M SKIBITSKY | 1000 FELL STREET APARTMENT 627 BALTIMORE, MA 21231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | — | $85 | 0.07% |
| MATTHEW W EVANS3 | 1344 ASHTON ROAD SUITE 200 HANOVER, MD 21076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | — | $83 | 0.07% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON, BRANDON, JACKSON & WARD | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.02% |
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 | 1,608 | 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) | 1,608 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,544 | $1.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,544 | $1.4M |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 189 | $124K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 189 | $124K |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 189 | $124K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,544 | $1.4M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,544 | $2.2M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,544 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,544 | — |
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.