| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES E MCELHANEY3 Filed as: JAMES MCELHANEY | 1610 S CHURCH ST STE A MURFREESBORO, TN 37130 | BLUE CROSS BLUE SHIELD OF TENNESSEE INC | — | $46K | $46K | 5.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 605 CHESTNUT ST CHATTANOOGA, TN 37450 | USAABLE LIFE | $9K | — | $9K | 15.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | USAABLE LIFE | $9K | — | $9K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER | PO BOX 70 WEST POINT, GA 31833 | USAABLE LIFE | $7K | — | $7K | 15.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | USAABLE LIFE | $7K | — | $7K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER | PO BOX 6087 HUNTSVILLE, AL 35824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $634 | $133 | $767 | 3.61% |
| CATHY BUFFONE3 Filed as: CATHY M LERMAN | 2985 SURREY RIDGE RD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $542 | $144 | $686 | 3.22% |
| TOM PROVOW LLC3 | 522B BANDIES CIRCLE STE 1 MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $257 | $91 | $348 | 1.64% |
| LERMAN VENTURES INC3 | 2985 SURREY RIDGE RD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | $98 | $301 | 1.42% |
| MCELHANEY INSURANCE LLC3 | 2115 LOOK ROCK CT MURFREESBORO, TN 37130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $274 | — | $274 | 1.29% |
| WILLIAM KYZER3 | PO BOX 8213 HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | $2 | $154 | 0.72% |
| VICKIE E LEWIS3 | 6558 STOVALL RD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | $26 | $138 | 0.65% |
| KEITH LEPACK3 Filed as: KEITH TOBIAS | 1366 DUNRAVEN DR MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | — | $112 | 0.53% |
| KAREN TOBIAS3 | 1366 DUNRAVEN DR MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.22% |
| TODD BOOZER3 | 2900 CAHABA RD BIRMINGHAM, AL 35223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| DARCIPRETE AND ASSOCIATES INC3 Filed as: DARCIPRETE AND ASSOC | 12945 HWY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER | 605 CHESTNUT ST CHATTANOOGA, TN 37450 | USAABLE LIFE | $3K | — | $3K | 15.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | USAABLE LIFE | $3K | — | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER | 605 CHESTNUT ST CHATTANOOGA, TN 37450 | USAABLE LIFE | $1K | — | $1K | 11.05% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | 1 CAMERON HILL CIRCLE CAVE CITY, TN 37402 | USAABLE LIFE | $1K | — | $1K | 10.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | USAABLE LIFE | $354 | — | $354 | 15.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER | 605 CHESTNUT ST CHATTANOOGA, TN 37450 | USAABLE LIFE | $354 | — | $354 | 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 | 174 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE INC | 241 | $793K |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE INC | 241 | $793K |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE INC | 241 | $793K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 174 | $54K |
| Short-term disability | USAABLE LIFE | 106 | $63K |
| Long-term disability | USAABLE LIFE | 79 | $46K |
| Other | USAABLE LIFE | 103 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.