| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 350 CONSHOHOCKEN, PA 19428 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | $24K | $0 | $24K | 4.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 605 CHESTNUT ST LIBERTY TOWER SUITE 500 CHATTANOOGA, TN 374500003 | AMERITAS LIFE INSURANCE CORP | $4K | $0 | $4K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 6087 HUNTSVILLE, AL 35824 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $114 | $2K | 5.89% |
| SUSAN FONTANA FLYNN3 | 8814 EAGLE POINTE DR KNOXVILLE, TN 37931 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $894 | $12 | $906 | 3.23% |
| KATHERINE C ROBERTS3 | 8846 PICADILLY TRL OOLTEWAH, TN 37363 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $533 | $0 | $533 | 1.90% |
| SHARON MAY LINDSAY3 | 724 WILDFLOWER LN CHATTANOOGA, TN 37419 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $222 | $0 | $222 | 0.79% |
| R J K & ASSOCIATES INC3 | 777 DREWRY ST NE ATLANTA, GA 30306 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $133 | $4 | $137 | 0.49% |
| JM TAMER & CO3 | 6500 PAPERMILL DR STE 201 KNOXVILLE, TN 37919 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $87 | $26 | $113 | 0.40% |
| MAX MARTIN LINDSAY3 | 724 WILDFLOWER LN CHATTANOOGA, TN 37419 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $88 | $0 | $88 | 0.31% |
| KALEB JORDAN FIELDS3 | 2301 W WHITE AVE APT 828 MCKINNEY, TX 75071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $57 | $2 | $59 | 0.21% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | 83 | $580K |
| Dental | AMERITAS LIFE INSURANCE CORP | 154 | $41K |
| Vision | AMERITAS LIFE INSURANCE CORP | 154 | $41K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 121 | $4K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 121 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.