| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW B MORASKI3 Filed as: MATTHEW MORASKI | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $42K | — | $42K | 2.09% |
| SEIKO BURKHALTER3 Filed as: SEIKO BRUKHALTER | 3560 LENOX RD STE 2400 ATLANTA, GA 30326 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $26K | — | $26K | 1.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | 2560 LENOX ROAD NE ATLANTA, GA 30326 | USABLE LIFE | $7K | — | $7K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $593 | $893 | $1K | 3.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH JCS INC. | 3560 LENOX ROAD NE ATLANTA, GA 30326 | USABLE LIFE | $1K | — | $1K | 14.99% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $132 | $173 | $305 | 3.53% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 235 | $2.0M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 235 | $2.0M |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 231 | $17K |
| Life insurance | USABLE LIFE | 201 | $9K |
| Short-term disability | USABLE LIFE | 201 | $45K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 235 | $2.0M |
| Other | USABLE LIFE | 201 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.