| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICKEY WATKINS3 | 1020 HIGHLAND COLONY PKWY SUITE 302 RIDGELAND, MS 391572149 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $53K | $53K | 5.54% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1500 RIVERFRONT DR. LITTLE ROCK, AR 72202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 6.15% |
| KRISTI H BUSKIRK3 Filed as: KRISTI H. BUSKIRK | 721 W. JEFFERSON ST. TUPELO, MS 38804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.84% |
| VALERIE D HOOD3 Filed as: VALERIE D. HOOD | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $575 | — | $575 | 1.51% |
| SUSAN R RAPER3 Filed as: SUSAN R. RAPER | 30036 CLAY HILL RD NETTLETON, MS 38858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $256 | — | $256 | 0.67% |
| GINGER K HARDY3 Filed as: GINGER K. HARDY | 760 INDIAN OAK SALTILLO, MS 38866 | CONTINENTAL AMERICAN INSURANCE COMPANY | $181 | — | $181 | 0.48% |
| CHRISTY W FISHER3 Filed as: CHRISTY W. FISHER | 124 CR 2768 BALDWYN, MS 38824 | CONTINENTAL AMERICAN INSURANCE COMPANY | $81 | — | $81 | 0.21% |
| JOHN R BRASEL3 Filed as: JOHN R. BRASEL | 1105 W. JACKSON TUPELO, MS 38804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.13% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 C/O EB COMMISSIONS CHARLOTTE, NC 28289 | USABLE LIFE | $3K | $156 | $3K | 15.92% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 C/O EB COMMISSIONS CHARLOTTE, NC 28289 | USABLE LIFE | $2K | $58 | $3K | 15.35% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 C/O EB COMMISSIONS CHARLOTTE, NC 28289 | USABLE LIFE | $1K | — | $1K | 15.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $771 | — | $771 | 7.73% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 C/O EB COMMISSIONS CHARLOTTE, NC 28289 | USABLE LIFE | $168 | $6 | $174 | 15.52% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $168 | — | $168 | 14.99% |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 180 | $964K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 180 | $964K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 180 | $964K |
| Life insurance(2 contracts) | USABLE LIFE | 122 | $27K |
| Short-term disability | USABLE LIFE | 71 | $17K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 180 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.