| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMY LADD3 Filed as: AMY M. LADD | 220 N MAIN ST DYERSBURG, TN 38024 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $30K | — | $30K | 3.85% |
| SHELIA GURIEN3 Filed as: SHELIA S. GURIEN | 220 N MAIN ST RIPLEY, TN 38024 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $4K | — | $4K | 0.57% |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOCIATES INSURANCE AGENCY | 220 N MAIN ST DYERSBURG, TN 38024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOCIATES INSURANCE AGENCY | 220 N MAIN ST DYERSBURG, TN 38024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOCIATES INSURANCE AGENCY | 220 N MAIN ST DYERSBURG, TN 38024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOCIATES INC | 220 N MAIN ST STE G100 DYERSBURG, TN 38024 | AFLAC | $1K | — | $1K | 6.76% |
| CODY BRIAN WHITEHEAD3 | 32 HALE FARM RD HUMBOLDT, TN 38343 | AFLAC | $720 | $160 | $880 | 4.74% |
| WILLIAM T GANT3 | 117 HILLSONG LN BRIGHTON, TN 38011 | AFLAC | $344 | $47 | $391 | 2.11% |
| DEBORAH WALKER HULETTE3 | 115 CARRIAGE CV EADS, TN 38028 | AFLAC | $291 | $47 | $338 | 1.82% |
| JOHN W WILLIAMS3 | 512 CRAIG SCHOOL RD RIPLEY, TN 38063 | AFLAC | $270 | $13 | $283 | 1.53% |
| JOHN LEMLEY3 Filed as: JOHN HENRY LEMLEY | 2535 MOUNTCARMEL RD COVINGTON, TN 38019 | AFLAC | $144 | — | $144 | 0.78% |
| CHARLES HARTHUN3 Filed as: CHARLES BRYAN HARTHUN | 419 TYLER TRL JAMESTOWN, TN 38556 | AFLAC | $26 | — | $26 | 0.14% |
| PRENTISS L BALLARD3 Filed as: PRENTISS BALLARD | 17 MOSSY OAK TRL JACKSON, TN 38305 | AFLAC | $15 | — | $15 | 0.08% |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOCIATES INSURANCE AGENCY | 220 N MAIN ST DYERSBURG, TN 38024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOCIATES INSURANCE AGENCY | 220 N MAIN ST DYERSBURG, TN 38024 | USABLE LIFE | $1K | — | $1K | 15.00% |
| GROUP INSURANCE SERVICES INC4 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $724 | $153 | $877 | 11.46% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 147 | $773K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 147 | $773K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 147 | $773K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 175 | $28K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 81 | $34K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 48 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.
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.