| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLEN CARTER3 Filed as: ALLEN F CARTER | P O BOX 809 ATHENS, TN 37371 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $223K | — | $223K | 3.05% |
| CHARLES H MCKEEHAN3 | P O BOX 809 ATHENS, TN 37371 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $21K | — | $21K | 0.29% |
| ATHENS INSURANCE3 Filed as: ATHENS INSURANCE COMPANY INC | PO BOX 809 ATHENS, TN 373710809 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 6.53% |
| ATHENS INSURANCE3 Filed as: ATHENS INSURANCE COMPANY INC | PO BOX 809 ATHENS, TN 373710809 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 13.47% |
| P & C RISK SERVICES LLC D.B.A ATHEN3 Filed as: P & C RISK SERVICES | PO BOX 809 ATHENS, TN 373710809 | UNUM INSURANCE COMPANY | $6K | $305 | $6K | 18.50% |
| P & C RISK SERVICES LLC D.B.A ATHEN3 Filed as: P & C RISK SERVICES | PO BOX 809 ATHENS, TN 373710809 | UNUM INSURANCE COMPANY | $4K | $305 | $4K | 12.61% |
| P & C RISK SERVICES LLC D.B.A ATHEN3 Filed as: P & C RISK SERVICES | PO BOX 809 ATHENS, TN 373710809 | UNUM INSURANCE COMPANY | $7K | $354 | $7K | 22.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 N/A | Plan Administrator Service code 14 | — | $42K |
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 | 560 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 562 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,147 | $7.3M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,147 | $7.3M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,147 | $7.3M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 584 | $224K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 584 | $138K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 584 | $323K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,147 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.