| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23060 | HARTFORD LIFE AND ACCIDENT | $20K | — | $20K | 11.69% |
| USI INSURANCE SERVICES LLC3 | 470 PARK AVENUE NORTH FLOOR 6 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | — | $647 | $647 | 0.38% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | -$2 | — | -$2 | -0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE SUITE 300 GLEN ALLEN, VA 23060 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 10.62% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE SUITE 400 GLEN ALLEN, VA 23060 | GUARDIAN | $3K | — | $3K | 13.00% |
| CHRISTOPHER G RICHARDSON3 | 1011 NORFOLK GREEN CIRCLE CHATANOOGA, TN 37421 | CONTINENTAL AMERICAN INSURANCE COMPANY | $220 | — | $220 | 1.75% |
| HEYWARD RICHARDSON JR3 Filed as: HEYWARD RICHARDSON | 1163 MCCORDS FERRY ROAD LUGOFF, SC 29078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $143 | — | $143 | 1.14% |
| HAROLD S CANDLER3 | 1363 HEADQUARTERS PLANTATION D JOHN ISLAND, SC 29455 | CONTINENTAL AMERICAN INSURANCE COMPANY | $92 | — | $92 | 0.73% |
| ELIZABETH E REEVES3 | 1200 MOUNTAIN CREEK ROAD SUITE 102 CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | — | $73 | 0.58% |
| DANIEL MATHIS3 | 1200 MOUNTAIN CREEK ROAD SUITE 102 CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 0.55% |
| ANDREW F VERBOSKY JR3 | 491 QUARRY LANE WARREN, OH 44483 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.41% |
| CHARLES F GREER3 | 9537 PECKY CYPRESS WAY ORLANDO, FL 32836 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.40% |
| LINDA F LEE3 | 2120 HAVEN CREST CHATTANOOGA, TN 37421 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.32% |
| LEWIS P AGNONE3 | 360 EASTWOOD DRIVE HUBBARD, OH 44425 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | — | $39 | 0.31% |
| PAULA J FAMBROUGH3 | 1201 MAIN STREET SUITE 2300 COLUMBIA, SC 29201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.28% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.28% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 242 HERITAGE PARK DRIVE SUITE 106 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.27% |
| JOSHUA R MARTIN3 | 307 SCENIC DRIVE TUNNEL HILL, GA 30755 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.26% |
| AUSTIN RADER3 | 242 HERITAGE PARK DRIVE SUITE 106 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.25% |
| PAUL GILMORE3 | 4844 GOLFSIDE DRIVE FRISCO, TX 75035 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.21% |
| JOHN D TYLER3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.17% |
| THOMAS J HOUSER3 | 955 WINHAM COURT SUITE 4 BOARDMAN, OH 44512 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.14% |
| JACKSON D RHODES3 | 2332 VOLUNTEER PARKWAY BRISTOL, TN 37620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.10% |
| TERRANCE M LUCZAJ3 | 435 HARRODS LANE CHARLESTON, SC 29412 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.09% |
| KRISTY K COUSINS3 | 315 WALSH ROAD CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.08% |
| JOSEPH L LEDOUX3 | 674 WATSON BRANCH DRIVE FRANKLIN, TN 37064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.07% |
| SHARON MAY LINDSAY3 Filed as: SHARON B SESSOMS | 1431 ONEAL ROAD HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.06% |
| JOHN DEE MAULDIN3 | 1416 GABLES COURT PLANO, TX 78075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| DAYTON LLC3 | 221 SERENITY DRIVE PICKENS, SC 29671 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| JAY S OLEARY3 Filed as: JAY S O'LEARY | 301 MALLORY STATION ROAD SUITE 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| DENNIS M COPLAND3 | 10300 N CENTRAL EXPRESSWAY DALLAS, TX 75231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| DAVID CLAYTON3 | 1054 CARTER DRIVE CHATTANOOGA, TN 37415 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| GARY W JOHNSON3 | 201 W MCBEE AVENUE SUITE 301 GREENVILLE, SC 29601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| JACK A SHADE3 | 470 OLDE WORTHINGTON ROAD SUITE 250 WESTERVILLE, OH 43082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 479 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 525 | $55K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 530 | $184K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 530 | $192K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 530 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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."
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.