| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHASE SINQUEFIELD3 | PO BOX 7001 MURFREESBORO, TN 37133 | BLUECROSS BLUESHIELD OF TENNESSEE | $58K | $0 | $58K | 9.71% |
| MILLER AND LOUGHRY INS AND SVCS INC3 Filed as: MILLER LOUGHRY BEACH INSURANCE | 214 W COLLEGE ST. MURFREESBORO, TN 37130 | DELTA DENTAL OF TENNESSEE | $11K | $0 | $11K | 5.00% |
| MILLER LOUGHRY BEACH INSURANCE SERV3 Filed as: MILLER & LOUGHRY & BEACH INS S | PO BOX 7001 MURFREESBORO, TN 37133 | SYMETRA LIFE INSURANCE COMPANY | $13K | $6K | $19K | 14.57% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.25% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB AND PITTS INSURANCE | 2670 UNION AVE. STE 200 MEMPHIS, TN 38112 | SYMETRA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.58% |
| NS AND SVCS INC MILLER AND LOUGHRY3 | 214 W COLLEGE ST. MURFREESBORO, TN 37130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 11.14% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR. ROCKVALE, TN 37153 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 6.99% |
| BELINDA PICKEL3 | 113 WYNCREST CT. HENDERSONVILLE, TN 37075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.99% |
| NOLAN MCCUE3 | 242 HERITAGE PARK DR. STE 108 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.17% |
| NICOLE GOLDEN3 | 6729 SUGAR HILL DR. NASHVILLE, TN 37211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $832 | $0 | $832 | 0.78% |
| MARLA PARSONS3 | 242 HERITAGE PARK DR. STE 108 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $651 | $0 | $651 | 0.61% |
| JAMES SMITH3 | 100 W CYPRESS RD STE 630 FT LAUDERDALE, FL 33309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $119 | $0 | $119 | 0.11% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 101 GILLESPIE DR. APT 8204 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $111 | $0 | $111 | 0.10% |
| JENNIFER EARWOOD3 | 223 CASTLEWOOD DR. STE. F MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | $0 | $35 | 0.03% |
| 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. | $3K | $0 | $3K | 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 | 400 | 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) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE | 625 | $595K |
| Dental | DELTA DENTAL OF TENNESSEE | 659 | $228K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 728 | $42K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 400 | $132K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 400 | $132K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 400 | $132K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 400 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 728 | — |
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.