| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $16K | $16K | 3.66% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | $0 | $21K | 15.83% |
| MATTHEW D BUTLER3 Filed as: MATTHEW D. BUTLER | 2427 COVERED BRIDGE BOULEVARD KNOXVILLE, TN 37932 | CONTINENTAL AMERICAN INSURANCE COMPANY | $116 | $0 | $116 | 0.09% |
| CARTER L NELSON3 Filed as: CARTER L. NELSON | 123 CENTER PARK DRIVE, SUITE 102 KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $116 | $0 | $116 | 0.09% |
| STACY SCHMIDT3 | 4421 US HIGHWAY 411 SOUTH MARYVILLE, TN 37801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| CASEY A CURLEE3 Filed as: CASEY A. CURLEE | 1505 ARMIGER LANE KNOXVILLE, TN 37932 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$2 | $0 | -$2 | -0.00% |
| GEISLER INCORPORATED3 | 1795 CLARKSON ROAD, SUITE 301 CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$2 | $0 | -$2 | -0.00% |
| MJ INSURANCE3 Filed as: SHARON L. DAVIS AND VARIOUS AGENTS | 123 CENTER PARK DRIVE, SUITE 102 KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$8 | $0 | -$8 | -0.01% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $8K | $0 | $8K | 9.69% |
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 | 972 | 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) | 972 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,425 | $80K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 972 | $432K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 972 | $432K |
| Prescription drug | RXBENEFITS, INC. | 733 | $1.7M |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 972 | $563K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,425 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.