| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MILLER AND LOUGHRY INS AND SVCS INC3 Filed as: MILLER LOUGHRY BEACH INS | 214 WEST COLLEGE ST MURFREESBORO, TN 37130 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $99K | $99K | 5.00% |
| MILLER AND LOUGHRY INS AND SVCS INC3 Filed as: MILLER & LOUGHRY & BEACH INS SVCS | PO BOX 7001 MURFREESBORO, TN 371337001 | PRINCIPAL LIFE INSURANCE COMPANY | $43K | $14K | $56K | 13.81% |
| MILLER AND LOUGHRY INS AND SVCS INC3 Filed as: MILLER & LOUGHRY & BEACH INS SVCS | 214 W COLLEGE ST MURFREESBORO, TN 37130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 9.27% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 371534439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 7.82% |
| TIMOTHY CHAPPELL3 | 522 ROCK SPRINGS RD WATERTOWN, TN 37184 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.86% |
| NOLAN D MCCUE3 | 131 WATERS HILL CIR LEBANON, TN 370873051 | CONTINENTAL AMERICAN INSURANCE COMPANY | $779 | — | $779 | 0.74% |
| BELINDA PICKEL3 Filed as: BELINDA B PICKEL | 113 WYNCREST CT HENDERSONVILLE, TN 37075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $553 | — | $553 | 0.53% |
| GARY W JOHNSON3 | 347 RIPPLE PARK DR SUMMERVILLE, SC 29486 | CONTINENTAL AMERICAN INSURANCE COMPANY | $164 | — | $164 | 0.16% |
| ANGELA DRAKE3 Filed as: ANGELA N DRAKE | 126 WINSFORD COURT MURFREESBORO, TN 371308345 | CONTINENTAL AMERICAN INSURANCE COMPANY | $151 | — | $151 | 0.14% |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 253 | $2.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 452 | $406K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 452 | $406K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 452 | $406K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 452 | $406K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 452 | $406K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 129 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 452 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.