| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICKEY WATKINS3 Filed as: MICKEY WAKINS | 1020 HIGHLAND COLONY PARKWAY STE 302 RIDGELAND, MS 39157 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $45K | — | $45K | 12.00% |
| MICKEY WATKINS3 | 1020 HIGHLAND COLONY PARKWAY STE 302 RIDGELAND, MS 39157 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $4K | — | $4K | 10.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE | 214 N TRYON ST STE 46 CHARLOTTE, NC 28202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 15.98% |
| DENISE C FUCHS3 | 200 SHADOWCREEK DRIVE APT 206 OXFORD, MS 38655 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.72% |
| MIRANDA ANDREWS3 | 1307 LUMPKIN AVE TUPELO, MS 38801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $964 | — | $964 | 3.00% |
| GINGER KAYE HARDY3 | 760 INDIAN OAK DR SALTILLO, MS 38866 | CONTINENTAL AMERICAN INSURANCE COMPANY | $267 | — | $267 | 0.83% |
| KRISTI H BUSKIRK3 | 1015 DOGWOOD COVE NEW ALBANY, MS 38652 | CONTINENTAL AMERICAN INSURANCE COMPANY | $116 | — | $116 | 0.36% |
| SUSAN R RAPER3 | 1777 DONIVAN ROAD MARIETTA, MS 38856 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.25% |
| CHRISTY W FISHER3 Filed as: CHRISTY WREN FISHER | 124 CR 2768 BALDWYN, MS 38824 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.07% |
| KENNETH BRADLEY ELDRED3 | 182 TANNER LN. HERNANDO, MS 38632 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.05% |
| JOHN R BRASEL3 Filed as: JOHN RUSSELL BRASEL | 118 ALLYE AVE MOOREVILLE, MS 38857 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| RICKY COLLINS REYNOLDS3 | 731 HIGHWAY 225 EAST GREENBRIER, AR 72058 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $2K | $621 | $3K | 18.80% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $2K | $112 | $2K | 15.74% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $2K | $347 | $2K | 17.89% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $769 | — | $769 | 6.42% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $120 | $36 | $156 | 19.45% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $120 | — | $120 | 14.96% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 195 | $371K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 154 | $41K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 154 | $41K |
| Life insurance | USABLE LIFE | 118 | $12K |
| Short-term disability | USABLE LIFE | 58 | $15K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 170 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.