| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOCIATES INSURANCE AGENCY | 220 N MAIN ST DYERSBURG, TN 38024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $44K | — | $44K | 15.74% |
| SHELIA GURIEN3 Filed as: SHELIA S. GURIEN | 220 N MAIN ST G-100 DYERSBURG, TN 38024 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $5K | — | $5K | 11.07% |
| AMY LADD3 Filed as: AMY M. LADD | 220 N MAIN ST G-100 DYERSBURG, TN 38024 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $5K | — | $5K | 10.87% |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOCIATES INC | 220 N MAIN AVE STE G100 DYERSBURG, TN 38024 | AFLAC | $5K | — | $5K | 11.63% |
| CODY BRIAN WHITEHEAD3 | 32 HALE FARM RD HUMBOLDT, TN 38343 | AFLAC | $4K | $147 | $4K | 9.16% |
| ZACHARY T HANNIS3 | 900 PINE RIDGE RD. LEXINGTON, TN 38351 | AFLAC | $2K | — | $2K | 3.64% |
| TIMOTHY CLENNEY3 | 267 RAMBLEWOOD DR JACKSON, TN 38305 | AFLAC | $1K | — | $1K | 2.30% |
| WILLIAM T GANT3 Filed as: WILLIAM T. GANT | 117 HILLSONG LN BRIGHTON, TN 38011 | AFLAC | $268 | $30 | $298 | 0.69% |
| JOHN W WILLIAMS3 | 512 CRAIG SCHOOL RD RIPLEY, TN 38063 | AFLAC | $264 | — | $264 | 0.61% |
| DEBORAH WALKER HULETTE3 | 115 CARRIAGE CV EADS, TN 38028 | AFLAC | $164 | $30 | $194 | 0.45% |
| JOHN HENRY LEMLY3 | 2535 MT. CARMEL RD COVINGTON, TN 38019 | AFLAC | $123 | — | $123 | 0.28% |
| CHARLES HARTHUN3 Filed as: CHARLES BRYAN HARTHUN | 419 TYLER TRL JAMESTOWN, TN 38556 | AFLAC | $26 | — | $26 | 0.06% |
| PRENTISS L BALLARD3 Filed as: PRENTISS L. BALLARD | 17 MOSSY OAK TRL JACKSON, TN 38305 | AFLAC | $15 | — | $15 | 0.03% |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOCIATES INSURANCE AGENCY | 220 N MAIN ST DYERSBURG, TN 38024 | UNITED OF OMAHA LIFE INSURANCE | $5K | — | $5K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE | $306 | — | $306 | 0.84% |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOCIATES INSURANCE AGENCY | 220 N MAIN ST DYERSBURG, TN 38024 | UNITED OF OMAHA LIFE INSURANCE | $3K | — | $3K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE | $190 | — | $190 | 0.86% |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOCIATES INSURANCE AGENCY | 220 N MAIN ST DYERSBURG, TN 38024 | UNITED OF OMAHA LIFE INSURANCE | $3K | — | $3K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE | $203 | — | $203 | 0.93% |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOCIATES INSURANCE AGENCY | 220 N MAIN ST DYERSBURG, TN 38024 | UNITED OF OMAHA LIFE INSURANCE | $2K | — | $2K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE | $80 | — | $80 | 0.66% |
| GROUP INSURANCE SERVICES INC4 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $143 | — | $143 | 7.16% |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOCIATES INSURANCE AGENCY | 220 N MAIN ST DYERSBURG, TN 38024 | USABLE LIFE | $107 | — | $107 | 5.36% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 97 | $281K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 133 | $49K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 133 | $49K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE | 161 | $24K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE | 74 | $34K |
| Other(2 contracts, 2 carriers) | AFLAC | 46 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.