| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHASE SINQUEFIELD3 | PO BOX 7001 MURFREESBORO, TN 37133 | BLUECROSS BLUESHIELD OF TENNESSEE | $95K | $0 | $95K | 4.03% |
| MILLER AND LOUGHRY INS AND SVCS INC3 Filed as: MILLER LOUGHRY BEACH INS. SVCS. INC | 214 W COLLEGE ST. MURFREESBORO, TN 37130 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $3K | $20K | 11.88% |
| NICOLE GOLDEN3 | 7909 CONCORD HILLS DRIVE STE 105 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | $0 | $17K | 16.89% |
| MARLA PARSONS3 | 242 HERITAGE PARK DR. MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 10.30% |
| JENNIFER EARWOOD3 | 1357 TILTON DR. FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.68% |
| JAMES SMITH3 | 242 HERITAGE PARK DR. STE 106 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $953 | $0 | $953 | 0.93% |
| NOLAN MCCUE3 | 242 HERITAGE PARK DR. STE 108 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $876 | $0 | $876 | 0.86% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 101 GILLESPIE DR. APT 8204 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $484 | $0 | $484 | 0.47% |
| OLIVIA CHAMBERS3 | 242 HERITAGE PARK DR. #106 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $344 | $0 | $344 | 0.34% |
| MARY DAHLIN3 | 2140 HERRING XING MURFREESBORO, TN 37130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | $0 | $59 | 0.06% |
| MILLER AND LOUGHRY INS AND SVCS INC3 Filed as: MILLER LOUGHRY INSURANCE | 214 W COLLEGE ST. MURFREESBORO, TN 37130 | FIDELITY SECURITY LIFE | $6K | $0 | $6K | 15.00% |
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 | 302 | 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) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE | 515 | $2.4M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE | 515 | $2.4M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE | 515 | $2.4M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 336 | $168K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 336 | $168K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 336 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 515 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.