| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMY LADD3 | 220 N MAIN ST DYERSBURG, TN 38024 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $30K | — | $30K | 3.78% |
| SHELIA GURIEN3 | 220 N MAIN ST DYERSBURG, TN 38024 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $4K | — | $4K | 0.52% |
| WHITE & ASSOCIATES3 Filed as: WHITE AND ASSOCIATES | 220 N MAIN ST DYERSBURG, TN 38024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $61 | $5K | 15.19% |
| JOHN W WILLIAMS3 | 512 CRAIG SCHOOL RD RIPLEY, TN 38063 | AFLAC | $5K | $171 | $5K | 19.08% |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOCIATES INSURANCE | 220 N MAIN ST G-100 DYERSBURG, TN 38024 | AFLAC | $1K | — | $1K | 5.10% |
| WILLIAM T GANT3 | 117 HILLSONG LN BRIGHTON, TN 38011 | AFLAC | $942 | $39 | $981 | 3.68% |
| CODY BRIAN WHITEHEAD3 | 32 HALE FARM RD HUMBOLDT, TN 38343 | AFLAC | $803 | — | $803 | 3.02% |
| DEBORAH WALKER HULETTE3 | 115 CARRIAGE CV EADS, TN 38028 | AFLAC | $666 | — | $666 | 2.50% |
| JOHN LEMLEY3 Filed as: JOHN HENRY LEMLEY | 2535 MT CARMEL RD COVINGTON, TN 38019 | AFLAC | $546 | $29 | $575 | 2.16% |
| CHARLES HARTHUN3 Filed as: CHARLES BRYAN HARTHUN | 419 TYLER TRL JAMESTON, TN 38556 | AFLAC | $8 | — | $8 | 0.03% |
| PRENTISS L BALLARD3 | 17 MOSSY OAK TRL JACKSON, TN 38305 | AFLAC | $4 | — | $4 | 0.02% |
| WHITE & ASSOCIATES3 Filed as: WHITE AND ASSOCIATES | 220 N MAIN AVE DYERSBURG, TN 38024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $35 | $3K | 15.16% |
| WHITE & ASSOCIATES3 Filed as: WHITE AND ASSOCIATES | 220 N MAIN ST DYERSBURG, TN 38024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $35 | $3K | 15.21% |
| WHITE & ASSOCIATES3 Filed as: WHITE AND ASSOCIATES | 220 N MAIN AVE DYERSBURG, TN 38024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $22 | $2K | 15.22% |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOCIATES INSURANCE | 220 N MAIN ST G-100 DYERSBURG, TN 38024 | USABLE LIFE | $1K | — | $1K | 15.00% |
| GROUP INSURANCE SERVICES INC4 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $640 | $154 | $794 | 10.28% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 125 | $783K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 125 | $783K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 125 | $783K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $24K |
| Short-term disability | AFLAC | 20 | $27K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 75 | $32K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 52 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.