| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 ST. LOUIS, MO 631505115 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $11K | — | $11K | 9.10% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 ST. LOUIS, MO 631505115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25K | — | $25K | 52.25% |
| CARTER L NELSON3 Filed as: CARTER L. NELSON | 123 CENTER PARK DR., SUITE 102 KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $551 | — | $551 | 1.17% |
| MATTHEW D BUTLER3 Filed as: MATTHEW D. BUTLER | 2427 COVERED BRIDGE BLVD. KNOXVILLE, TN 37932 | CONTINENTAL AMERICAN INSURANCE COMPANY | $543 | — | $543 | 1.15% |
| SHARON DAVIS3 Filed as: SHARON L. DAVIS | 123 CENTER PARK DR., SUITE 102 KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $233 | — | $233 | 0.49% |
| RICK WELTON3 Filed as: RICK L. WELTON | P.O. BOX 32715 KNOXVILLE, TN 37930 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | — | $93 | 0.20% |
| WILLIAM G DABNEY3 Filed as: WILLIAM G. DABNEY | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | — | $70 | 0.15% |
| GEISLER INCORPORATED3 | 1795 CLARKSON RD., STE 301 CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 0.15% |
| NICOLE GOLDEN3 Filed as: NICOLE D. GOLDEN | 7909 CONCORD HILLS DR, STE 105 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | 0.13% |
| JOSHUA LEE JONES3 Filed as: JOSHUA L. JONES | 18032 DEERCLIFF CT GLENCOE, MO 63038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | — | $39 | 0.08% |
| CASEY A CURLEE3 | 1505 ARMIGER LANE KNOXVILLE, TN 37932 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.05% |
| JAY S OLEARY3 Filed as: JAY S. O'LEARY | 301 MALLORY STATION RD, STE 100 FRAMKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| ALAN W MARTIN3 Filed as: ALAN W. MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| JOANNA G MATHERLY3 Filed as: JOANNA G. PEOPLE | 2000 GLEN ECHO RD., SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| JANIE C REYES3 Filed as: JANIE C. REYES | 1616 BELMONT AVENUE FORT WORTH, TX 76164 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| MSH INTERNATIONAL3 Filed as: MSH INTERNATIONAL (CANADA) LTD. | — | MITSUI 3210 (BA) | $1K | — | $1K | 28.57% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, INC. | P.O. BOX 505115 ST. LOUIS, MO 631505115 | MITSUI 3210 (BA) | $633 | — | $633 | 14.30% |
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 | 1,389 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 2,475 | $126K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 1,403 | $392K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 1,403 | $392K |
| Other(4 contracts, 4 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 1,403 | $443K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,475 | — |
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.