| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 550 S CALDWELL ST STE 1500 CHARLOTTE, NC 282023313 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 10.27% |
| JOHN R BRASEL3 Filed as: JOHN RUSSELL BRASEL | 118 ALLYE AVE MOOREVILLE, MS 388576008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $856 | — | $856 | 1.77% |
| GINGER KAYE HARDY3 | 760 INDIAN OAK DR SALTILLO, MS 38866 | CONTINENTAL AMERICAN INSURANCE COMPANY | $609 | — | $609 | 1.26% |
| TIMOTHY CLENNEY3 | 267 RAMBLEWOOD DR JACKSON, TN 383051831 | CONTINENTAL AMERICAN INSURANCE COMPANY | $425 | — | $425 | 0.88% |
| SUSAN R RAPER3 | 1777 DONIVAN ROAD MARIETTA, MS 38856 | CONTINENTAL AMERICAN INSURANCE COMPANY | $382 | — | $382 | 0.79% |
| KRISTI H BUSKIRK3 | 1015 DOGWOOD COVE NEW ALBANY, MS 38652 | CONTINENTAL AMERICAN INSURANCE COMPANY | $355 | — | $355 | 0.73% |
| WILLIAM CHAMP HARDY3 | 760 INDIAN OAK DRIVE SALTILLO, MS 38866 | CONTINENTAL AMERICAN INSURANCE COMPANY | $252 | — | $252 | 0.52% |
| PARKER ROBERTSON3 | 805 BEECHNUT ST SUITE 410 TUPELO, MS 388012315 | CONTINENTAL AMERICAN INSURANCE COMPANY | $252 | — | $252 | 0.52% |
| JENNIFER LYNN MILAM3 | 701 W 3RD ST IUKA, MS 28852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $252 | — | $252 | 0.52% |
| RICHARD KNIGHT3 | 141 COUNTY ROAD 1836 TUPELO, MS 38804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $252 | — | $252 | 0.52% |
| MIRANDA ANDREWS3 | 1307 LUMPKIN AVE TUPELO, MS 388012213 | CONTINENTAL AMERICAN INSURANCE COMPANY | $191 | — | $191 | 0.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $182 | — | $182 | 0.38% |
| CHRISTY W FISHER3 Filed as: CHRISTY WREN FISHER | 124 CR 2768 BALDWYN, MS 38824 | CONTINENTAL AMERICAN INSURANCE COMPANY | $128 | — | $128 | 0.26% |
| DENISE C FUCHS3 | 200 SHADOWCREEK DRIVE OXFORD, MS 38655 | CONTINENTAL AMERICAN INSURANCE COMPANY | $128 | — | $128 | 0.26% |
| DARIAN NULL3 Filed as: DARIAN WADE NULL | 248 GROOM AVENUE COVINGTON, TN 38019 | CONTINENTAL AMERICAN INSURANCE COMPANY | $128 | — | $128 | 0.26% |
| VALERIE DAWN HOOD3 | 108 CEMETERY ST APT 25 RIPLEY, MS 38663 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.05% |
| KENNETH ELDRED3 Filed as: KENNETH BRADLEY ELDRED | 182 TANNER LN. HERMANDO, MS 38632 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| RICKY COLLINS REYNOLDS3 | 731 HIGHWAY 225 EAST GREENBRIER, AR 72058 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| MICKEY WATKINS3 | 1020 HIGHLAND COLONY PKWY STE 302 RIDGELAND, MS 39157 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $3K | — | $3K | 6.34% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $2K | $115 | $3K | 14.49% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 13.85% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $2K | $45 | $2K | 14.11% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 13.85% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $2K | — | $2K | 14.23% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $791 | — | $791 | 5.32% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $119 | $4 | $123 | 14.25% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $119 | — | $119 | 13.79% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 199 | $45K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 199 | $45K |
| Life insurance(2 contracts) | USABLE LIFE | 120 | $33K |
| Short-term disability | USABLE LIFE | 62 | $18K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 120 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.