| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $52K | — | $52K | 3.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | USABLE LIFE | $8K | — | $8K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | $1K | $2K | 3.93% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | HM LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| GROUP INS SERV INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | HM LIFE INSURANCE COMPANY | $1K | — | $1K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | USABLE LIFE | $1K | — | $1K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $240 | $184 | $424 | 4.62% |
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 | 257 | 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) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 312 | $1.5M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 312 | $1.5M |
| Vision | HM LIFE INSURANCE COMPANY | 258 | $19K |
| Life insurance | USABLE LIFE | 257 | $9K |
| Short-term disability | USABLE LIFE | 257 | $54K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 312 | $1.5M |
| Other | USABLE LIFE | 257 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.