| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| W. E. SHAW & ASSOCIATES, LLC3 | P. O. BOX 2185 HENDERSONVILLE, TN 37077 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $39K | $46K | 5.68% |
| W. E. SHAW & ASSOCIATES, LLC3 | P. O. BOX 2185 HENDERSONVILLE, TN 37077 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 0.56% |
| W. E. SHAW & ASSOCIATES, LLC3 | P. O. BOX 2185 HENDERSONVILLE, TN 37077 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 13.73% |
| CHRISTOPHER CLUNAN3 | 2779 JUTES DR THOMPSONS STATION, TN 37179 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 10.66% |
| W. E. SHAW & ASSOCIATES, LLC3 | P. O. BOX 2185 HENDERSONVILLE, TN 37077 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 8.59% |
| LAMONT D JACKSON3 Filed as: LAMONT D. JACKSON | 7508 STECOAH ST BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.89% |
| JORDAN S SMITH3 Filed as: JORDAN S. SMITH | 6669 ARNO ALLISONA RD COLLEGE GROVE, TN 37046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.88% |
| THOMAS WILLIAMSON3 | 2055 N. MOUNT JULIET RD SUITE 201 MOUNT JULIET, TN 37122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $96 | $0 | $96 | 0.22% |
| KELSEY DAVID EVERT3 Filed as: KELSEY D. EVERT | 2055 N. MOUNT JULIET RD SUITE 201 MOUNT JULIET, TN 37122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $91 | $0 | $91 | 0.21% |
| JAMES C FARMER JR3 Filed as: JAMES C FARMER JR. | 641 OLD HICKORY BLVD UNIT 60 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $805K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $805K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 243 | $805K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 189 | $82K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 189 | $82K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 189 | $82K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 189 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.