| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COLE HARRIS3 | 9648 KINGSTON PK SUITE 8 KNOXVILLE, TN 37922 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $60K | — | $60K | 3.52% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | DELTA DENTAL OF TENNESSEE | $12K | — | $12K | 9.45% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $13K | 14.15% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | PO BOX 632886 CINCINNATI, OH 45263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | — | $18K | 38.67% |
| GREGORY FEARS3 | 15 TWO LAKE TRAIL SUITE 102 DUNLAP, TN 37327 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.79% |
| DAVID PAUL GALLIOWAY3 | 99 LEE COURT RINGGOLD, GA 30736 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.05% |
| STACI FISHER3 | 1789 BRADY DRIVE APT 4 DALTON, GA 30720 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.84% |
| ETHAN GREER3 | 558 CLINGMANS LANE CHATTANOOGA, TN 37419 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.49% |
| SHARON MAY LINDSAY3 Filed as: SHARON B SESSOMS | 1431 ONEAL ROAD HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.73% |
| JASON MICHAEL JONES3 | 2324 INVERNESS DR NW CLEVELAND, TN 37312 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.26% |
| CHANDLA D PESNELL3 | 4465 HWY 134 WHITESIDE, TN 37396 | CONTINENTAL AMERICAN INSURANCE COMPANY | $890 | — | $890 | 1.92% |
| TAYLOR THIGPEN3 | 605 COMMODORE LANE KNOXVILLE, TN 37934 | CONTINENTAL AMERICAN INSURANCE COMPANY | $356 | — | $356 | 0.77% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 15.09% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 14.04% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 15.07% |
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 | 583 | 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) | 583 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 230 | $1.7M |
| Dental | DELTA DENTAL OF TENNESSEE | 364 | $126K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 230 | $1.7M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 541 | $67K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 192 | $91K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 85 | $46K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 541 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 541 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.