| 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 | — | $75K | $75K | 5.25% |
| 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 | — | $46K | $46K | 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 | $39K | $3K | $42K | 12.87% |
| 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 | $14K | — | $14K | 11.68% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 371534439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 9.94% |
| NOLAN D MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 371291551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.54% |
| BELINDA PICKEL3 Filed as: BELINDA B PICKEL | 113 WYNCREST CT HENDERSONVILLE, TN 37075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.37% |
| GARY W JOHNSON3 | 347 RIPPLE PARK DR SUMMERVILLE, SC 29486 | CONTINENTAL AMERICAN INSURANCE COMPANY | $692 | — | $692 | 0.60% |
| TIMOTHY CHAPPELL3 | 522 ROCK SPRINGS RD WATERTOWN, TN 37184 | CONTINENTAL AMERICAN INSURANCE COMPANY | $548 | — | $548 | 0.47% |
| ANGELA DRAKE3 Filed as: ANGELA N DRAKE | 126 WINSFORD COURT MURFREESBORO, TN 37130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $181 | — | $181 | 0.16% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 264 | $2.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 439 | $325K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 439 | $325K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 439 | $325K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 439 | $325K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 439 | $325K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 348 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 439 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.