| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHASE R SINQUEFIELD3 | PO BOX 7001 MURFREESBORO, TN 37133 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $53K | — | $53K | 5.99% |
| MILLER AND LOUGHRY INS AND SVCS INC3 Filed as: MILLER & LOUGHRY & BEACH INS SVCS | 214 W COLLEGE STREET PO BOX 7001 MURFREESBORO, TN 371337001 | SYMETRA LIFE INSURANCE COMPANY | $12K | $2K | $14K | 11.98% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.25% |
| MILLER AND LOUGHRY INS AND SVCS INC3 Filed as: MILLER & LOUGHRY & BEACH INS SVCS | 214 W COLLEGE STREET PO BOX 7001 MURFREESBORO, TN 371337001 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 10.19% |
| MILLER AND LOUGHRY INS AND SVCS INC3 | 214 W COLLEGE STREET MURFREESBORO, TN 37130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 15.02% |
| KANDI H HECKLER3 | 5453 HASELL DR. ROCKVALE, TN 37153 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 13.12% |
| NOLAN D MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 4.65% |
| ANGELA DRAKE3 Filed as: ANGELA N DRAKE | 229 CASTLEWOOD DR STE F MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $442 | — | $442 | 0.80% |
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 | 340 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 229 | $878K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 270 | $79K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 270 | $79K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 270 | $199K |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 270 | $199K |
| Long-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 270 | $199K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 163 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.