| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANNY R. OSTER3 Filed as: DANNY HOILMAN | 801C SUNSET DRIVE, STE 100 JOHNSON CITY, TN 37604 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $33K | — | $33K | 5.68% |
| BCS WEALTH MANAGEMENT Filed as: BCS FINANCIAL, LLC | 801C SUNSET DRIVE, STE 100 JOHNSON CITY, TN 37604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29K | — | $29K | 27.19% |
| RYAN DREBING Filed as: RYAN A DREBING | 2112 N ROAN ST, SUITE 702 JOHNSON CITY, TN 37601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | — | $15K | 13.46% |
| MOLLIE ZIGELNIK | PO BOX 6695 SEVIERVILLE, TN 37864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.53% |
| TRAVIS L WILLEY | 13909 RIVER WILLOW PL TAMPA, FL 33637 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.25% |
| ANNE E SWANSON | 8224 CAMBRIDGE WOODS LANE KNOXVILLE, TN 37923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.15% |
| AMANDA L MOORE RHODES | 525 W OAKLAND AVE JOHNSON CITY, TN 37604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $683 | — | $683 | 0.63% |
| JACKSON D RHODES | 2332 VOLUNTEER PKWY BRISTOL, TN 37620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $646 | — | $646 | 0.60% |
| ZORAIDA VELEZ | 11835 CASSANDRA ST, UNIT 201 NEWPORT RICHEY, FL 34654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $353 | — | $353 | 0.33% |
| MATTHEW D BUTLER | 2427 COVERED BRIDGE BLVD KNOXVILLE, TN 37932 | CONTINENTAL AMERICAN INSURANCE COMPANY | $177 | — | $177 | 0.16% |
| RONALD D LEONARD | 123 CENTER PARK DRIVE, SUITE 102 KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | — | $80 | 0.07% |
| JOHN HAWLEY | 116 PICKENS CT KINGSPORT, TN 37663 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.03% |
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 | 187 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 312 | $582K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 312 | $582K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 312 | $582K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 224 | $108K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 224 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.