| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIM EACHUS3 | 246 EAST 11TH STREET SUITE 302 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $62K | — | $62K | 6.08% |
| RYAN ROTHROCK3 | 565 MARRIOTT DRIVE SUITE 500 NASHVILLE, TN 37214 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $52K | — | $52K | 5.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE, INC. | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $16K | — | $16K | 5.29% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN PARTNERS, L | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | DELTA DENTAL OF TENNESSEE | $14K | — | $14K | 4.71% |
| RAINS AGENCY, INC.3 Filed as: RAINS AGENCY INC | 500 NORTH MAIN STREET JAMESTOWN, TN 38556 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $957 | $957 | 0.67% |
| RAINS AGENCY, INC.3 Filed as: RAINS AGENCY INC | 500 NORTH MAIN STREET JAMESTOWN, TN 38556 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $635 | $635 | 0.68% |
| RAINS AGENCY, INC.3 Filed as: RAINS AGENCY INC | 500 NORTH MAIN STREET JAMESTOWN, TN 38556 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $589 | $589 | 0.65% |
| RAINS AGENCY, INC.3 Filed as: RAINS AGENCY INC | 500 NORTH MAIN STREET JAMESTOWN, TN 38556 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $517 | $517 | 0.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE, INC. | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | VISION SERVICE PLAN | $1K | — | $1K | 1.90% |
| FINANCIAL PRODUCTS AND SERVICES3 | PO BOX 306381 NASHVILLE, TN 37230 | VISION SERVICE PLAN | $918 | — | $918 | 1.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE, INC. | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $5K | — | $5K | 10.00% |
| RAINS AGENCY, INC.3 Filed as: RAINS AGENCY INC | 500 NORTH MAIN STREET JAMESTOWN, TN 38556 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $170 | $170 | 0.58% |
| RAINS AGENCY, INC.3 Filed as: RAINS AGENCY INC | 500 NORTH MAIN STREET JAMESTOWN, TN 38556 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $181 | $181 | 0.70% |
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 | 541 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 834 | $1.0M |
| Dental(2 contracts) | DELTA DENTAL OF TENNESSEE | 987 | $358K |
| Vision | VISION SERVICE PLAN | 521 | $59K |
| Life insurance(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 539 | $272K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 539 | $92K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 539 | $106K |
| Other(8 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 539 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 987 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.