| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHASE R SINQUEFIELD3 | PO BOX 7001 MURFREESBORO, TN 37133 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $66K | — | $66K | 5.07% |
| MILLER AND LOUGHRY INS AND SVCS INC3 Filed as: MILLER & LOUGHRY & BEACH INS SVCS | PO BOX 7001 MURFREESBORO, TN 37133 | SYMETRA LIFE INSURANCE COMPANY | $14K | $1K | $16K | 11.05% |
| 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 | PO BOX 7001 MURFREESBORO, TN 37133 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $712 | $8K | 8.70% |
| TRUE NETWORK ADVISORS3 | 1513 AMBER LANE GUNTERSVILLE, AL 35976 | PRINCIPAL LIFE INSURANCE COMPANY | — | $235 | $235 | 0.25% |
| MILLER AND LOUGHRY INS AND SVCS INC3 | 214 W COLLEGE STREET MURFREESBORO, TN 37130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.10% |
| KANDI H HECKLER3 | 5453 HASELL DR. ROCKVALE, TN 37153 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.59% |
| NOLAN D MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $597 | — | $597 | 0.65% |
| ANGELA DRAKE3 Filed as: ANGELA N DRAKE | 126 WINSFORD COURT MURFREESBORO, TN 37130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $215 | — | $215 | 0.24% |
| BELINDA PICKEL3 Filed as: BELINDA B PICKEL | 113 WYNCREST CT HENDERSONVILLE, TN 37075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.03% |
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 | 511 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 304 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 381 | $96K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 381 | $96K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 381 | $238K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 128 | $142K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 128 | $142K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 128 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.