| 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. | $46K | — | $46K | 4.60% |
| BCS WEALTH MANAGEMENT Filed as: BCS FINANCIAL, LLC | 801C SUNSET DRIVE, STE 100 JOHNSON CITY, TN 37604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 16.45% |
| RYAN DREBING Filed as: RYAN A DREBING | 2112 N ROAN ST, SUITE 702 JOHNSON CITY, TN 37601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 8.47% |
| ATHENA SOLUNTIONS INC | 2112 N ROAN ST, SUITE 702 JOHNSON CITY, TN 37604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.47% |
| JOHN HAWLEY | 116 PICKENS CT KINGSPORT, TN 37663 | CONTINENTAL AMERICAN INSURANCE COMPANY | $351 | — | $351 | 0.40% |
| MOLLIE ZIGELNIK | PO BOX 6695 SEVIERVILLE, TN 37864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $317 | — | $317 | 0.36% |
| GEORGE C SEYMOUR | 202 AZALEA RIDGE JOHNSON CITY, TN 37601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $297 | — | $297 | 0.34% |
| ANNE E SWANSON | 8224 CAMBRIDGE WOODS LANE KNOXVILLE, TN 37923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $220 | — | $220 | 0.25% |
| AMANDA L MOORE RHODES | 525 W OAKLAND AVE JOHNSON CITY, TN 37604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $218 | — | $218 | 0.25% |
| TRAVIS L WILLEY | 13909 RIVER WILLOW PL TAMPA, FL 33637 | CONTINENTAL AMERICAN INSURANCE COMPANY | $152 | — | $152 | 0.17% |
| JACKSON D RHODES | 2332 VOLUNTEER PKWY BRISTOL, TN 37620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $139 | — | $139 | 0.16% |
| MATTHEW D BUTLER | 2427 COVERED BRIDGE BLVD KNOXVILLE, TN 37932 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.06% |
| ZORAIDA VELEZ | 11835 CASSANDRA ST, UNIT 201 NEWPORT RICHEY, FL 34654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.04% |
| RONALD D LEONARD | 123 CENTER PARK DRIVE, SUITE 102 KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 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 | 388 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 544 | $998K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 544 | $998K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 544 | $998K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 356 | $87K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 356 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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.