| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHASE SINQUEFIELD3 | PO BOX 7001 MURFREESBORO, TN 37133 | BLUECROSS BLUESHIELD OF TENNESSEE | $58K | $0 | $58K | 3.28% |
| MILLER AND LOUGHRY INS AND SVCS INC3 Filed as: MILLER LOUGHRY BEACH INSURANCE | 214 W COLLEGE ST. MURFREESBORO, TN 37130 | DELTA DENTAL OF TENNESSEE | $7K | $0 | $7K | 5.00% |
| MILLER LOUGHRY BEACH INSURANCE SERV3 Filed as: MILLER & LOUGHRY & BEACH INS S | PO BOX 7001 MURFREESBORO, TN 37133 | SYMETRA LIFE INSURANCE COMPANY | $12K | $944 | $13K | 10.80% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.26% |
| NICOLE GOLDEN3 | 6729 SUGAR HILL DR. NASHVILLE, TN 37211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 15.11% |
| MARLA PARSONS3 | 242 HERITAGE PARK DR. MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 6.98% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 101 GILLESPIE DR. APT 8204 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $168 | $0 | $168 | 0.22% |
| JAMES SMITH3 | 100 W CYPRESS RD STE 630 FT LAUDERDALE, FL 33309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $137 | $0 | $137 | 0.18% |
| MILLER AND LOUGHRY INS AND SVCS INC3 | 214 W COLLEGE ST. MURFREESBORO, TN 37130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | $0 | $42 | 0.05% |
| JENNIFER EARWOOD3 | 229 CASTLEWOOD DR. SUITE F. MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | $0 | $35 | 0.05% |
| OLIVIA CHAMBERS3 | 2897 BRADYVILLE PIKE MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| NOLAN MCCUE3 | 242 HERITAGE PARK DR. STE 108 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| MILLER AND LOUGHRY INS AND SVCS INC3 Filed as: MILLER LOUGHRY BEACH INS. SVCS. INC | 214 W COLLEGE ST. MURFREESBORO, TN 37130 | AMERITAS LIFE INSURANCE CORP. | $2K | $0 | $2K | 6.00% |
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 | 272 | 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) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE | 350 | $1.8M |
| Dental | DELTA DENTAL OF TENNESSEE | 379 | $130K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 492 | $27K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 272 | $119K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 272 | $119K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 272 | $119K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 272 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.