| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $15K | — | $15K | 0.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE AYTON, OH 45439 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 0.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABNDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $905 | $905 | 0.64% |
| BOAR ENROLLMENT STRATEGIES3 | 9622 WILTSHIRE DRIVE COLTEWAH, TN 37363 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 27.98% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.52% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $508 | — | $508 | 0.77% |
| BOAR ENROLLMENT STRATEGIES3 | 9622 WILTSHIRE DRIVE COLTEWAH, TN 37363 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 27.24% |
| STALVEY, MICHAEL, DEWAYNE3 | 9622 WILTSHIRE DRIVE COLTEWAH, TN 37363 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.92% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $645 | — | $645 | 2.42% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $142 | — | $142 | 0.53% |
| GRIFFIN, STEVEN, RAY3 | STE 1400, 2000 MORRIS AVE BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 0.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE EIN 01-0278678 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $16K |
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 | 602 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 605 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,060 | $4.5M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,105 | $351K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 919 | $66K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 273 | $379K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 273 | $66K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 263 | $287K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 263 | $427K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,105 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.