| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, LLC | 1500 RIVERFRONT DRIVE SUITE 200 LITTLE ROCK, AR 72202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 17.16% |
| JOHN R BRASEL3 Filed as: JOHN RUSSELL BRASEL | 118 ALLYE AVE MOOREVILLE, MS 388576008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.16% |
| GINGER KAYE HARDY3 | 760 INDIAN OAK DR SALTILLO, MS 38866 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.55% |
| DENISE C FUCHS3 | 200 SHADOWCREEK DRIVE APT 206 OXFORD, MS 38655 | CONTINENTAL AMERICAN INSURANCE COMPANY | $979 | — | $979 | 2.12% |
| MIRANDA ANDREWS3 | 1307 LUMPKIN AVE TUPELO, MS 388012213 | CONTINENTAL AMERICAN INSURANCE COMPANY | $271 | — | $271 | 0.59% |
| KRISTI H BUSKIRK3 | 1015 DOGWOOD COVE NEW ALBANY, MS 38652 | CONTINENTAL AMERICAN INSURANCE COMPANY | $152 | — | $152 | 0.33% |
| SUSAN R RAPER3 | 1777 DONIVAN ROAD MARIETTA, MS 38856 | CONTINENTAL AMERICAN INSURANCE COMPANY | $124 | — | $124 | 0.27% |
| JENNIFER LYNN MILAM3 | 701 W 3RD ST IUKA, MS 38852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | — | $76 | 0.16% |
| PARKER ROBERTSON3 | 431 WEST MAIN STREET SUITE 410 TUPELO, MS 38801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | — | $76 | 0.16% |
| RICHARD KNIGHT3 | 141 COUNTY ROAD 1836 TUPELO, MS 38804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | — | $76 | 0.16% |
| WILLIAM CHAMP HARDY3 | 760 INDIAN OAK DRIVE SALTILLO, MS 38866 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | — | $76 | 0.16% |
| ELAINE EVANS ENIS3 | 8081 HUNTERS CREEK DR OLIVE BRANCH, MS 38654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.08% |
| KENNETH BRADLEY ELDRED3 | 182 TANNER LN. HERNANDO, MS 38632 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| CHRISTY W FISHER3 Filed as: CHRISTY WREN FISHER | 124 CR 2768 BALDWYN, MS 38824 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| VALERIE D HOOD3 Filed as: VALERIE DAWN HOOD | 108 CEMETERY ST APT 25 RIPLEY, MS 38663 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| RICKY COLLINS REYNOLDS3 | 731 HIGHWAY 225 EAST GREENBRIER, AR 72058 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MICKEY WATKINS3 | 1020 HIGHLAND COLONY PARKWAY STE 302 RIDGELAND, MS 39157 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $4K | — | $4K | 9.20% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 16.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $3K | — | $3K | 16.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $3K | — | $3K | 15.94% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $821 | — | $821 | 5.09% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $3K | — | $3K | 16.18% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 16.18% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | USABLE LIFE | $132 | — | $132 | 16.16% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $132 | — | $132 | 16.16% |
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 | 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 | 196 | $46K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 196 | $46K |
| Life insurance(2 contracts) | USABLE LIFE | 122 | $32K |
| Short-term disability | USABLE LIFE | 75 | $19K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 122 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.