| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GTL & ASSOCIATES3 Filed as: GTL & ASSOCIATES, LLC | 6729 SUGAR HILL DRIVE NASHVILLE, TN 37211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | — | $17K | 13.09% |
| JAMIE M HUTTON3 Filed as: JAMIE HUTTON | 1195 OLD SHILOH ROAD GOODLETTVILLE, TN 37072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 8.27% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY, INC. | 2305 RIVER ROAD LOUISVILLE, KY 40206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 8.10% |
| MJ INSURANCE3 Filed as: KELSEY D. EVERT AND VARIOUS AGENTS | 541 NORTH MOUNT JULIET ROAD SUITE 2201A MOUNT JULIET, TN 37122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.50% |
| LARA K GRANDE3 Filed as: LARA K. GRANDE | 204 EAST ARLINGTON BOULEVARD UNIT C GREENVILLE, NC 27858 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.04% |
| THOMAS WILLIAMSON3 | 88 ABBEY ROAD LEBANON, TN 37090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.40% |
| DAVID B RAY3 Filed as: DAVID B. RAY | 5122 STONEWOOD DRIVE SMYRNA, TN 37167 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.10% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 1945 SCOTTSVILLE ROAD BOWLING GREEN, KY 42104 | DELTA DENTAL OF TENNESSEE | $8K | — | $8K | 7.50% |
| ASSURED NEACE LUKENS INS. AGENCY3 Filed as: NEACE LUKENS INC. | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.73% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | VISION SERVICE PLAN | $1K | — | $1K | 4.65% |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 315 | $1.0M |
| Dental | DELTA DENTAL OF TENNESSEE | 403 | $102K |
| Vision | VISION SERVICE PLAN | 202 | $30K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 516 | $66K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 516 | $66K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 516 | $66K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 315 | $1.0M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 576 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 576 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.