| 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 | $13K | — | $13K | 7.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | PO BOX 101162 PASADENA, CA 911891162 | HARTFORD LIFE AND ACCIDENT | — | $10K | $10K | 5.83% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 1.75% |
| USI INSURANCE SERVICES LLC3 | PO BOX VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | -$5 | — | -$5 | -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 | $4K | — | $4K | 7.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 2.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | C/O BANK OF AMERICA CHICAGO, IL 60693 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $450 | — | $450 | 0.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 4951 LAKE BROOK DRIVE SUITE 400 GLEN ALLEN, VA 23060 | GUARDIAN | $2K | — | $2K | 7.48% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 222 BLOOMINGDALE ROAD SUITE 402 WHITE PLAINS, NY 10605 | GUARDIAN | $1K | — | $1K | 5.52% |
| ASHFORD ADVISORS INC3 | ONE RAVINIA DRIVE SUITE 1750 ATLANTA, GA 30346 | GUARDIAN | $23 | — | $23 | 0.11% |
| CHRISTOPHER G RICHARDSON3 | 1011 NORFOLK GREEN CIRCLE CHATANOOGA, TN 37421 | CONTINENTAL AMERICAN INSURANCE COMPANY | $186 | — | $186 | 1.91% |
| HEYWARD RICHARDSON JR3 Filed as: HEYWARD RICHARDSON | 1163 MCCORDS FERRY ROAD LUGOFF, SC 29078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $115 | — | $115 | 1.18% |
| HAROLD S CANDLER3 | 1363 HEADQUARTERS PLANTATION D JOHN ISLAND, SC 29455 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | — | $71 | 0.73% |
| ELIZABETH E REEVES3 | 1200 MOUNTAIN CREEK ROAD SUITE 102 CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.64% |
| DANIEL MATHIS3 | 1200 MOUNTAIN CREEK ROAD SUITE 102 CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.52% |
| LINDA F LEE3 | 2120 HAVEN CREST CHATTANOOGA, TN 37421 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.43% |
| CHARLES F GREER3 | 9537 PECKY CYPRESS WAY ORLANDO, FL 32836 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.42% |
| ANDREW F VERBOSKY JR3 | 491 QUARRY LANE WARREN, OH 44483 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | — | $39 | 0.40% |
| JOSHUA R MARTIN3 | 307 SCENIC DRIVE TUNNEL HILL, GA 30755 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.31% |
| LEWIS P AGNONE3 | 360 EASTWOOD DRIVE HUBBARD, OH 44425 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.30% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.29% |
| PAULA J FAMBROUGH3 | 1201 MAIN STREET SUITE 2300 COLUMBIA, SC 29201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.28% |
| JOHN D TYLER3 | 201 W MCBEE AVENUE EDMOND, OK 73034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.19% |
| THOMAS J HOUSER3 | 955 WINHAM COURT SUITE 4 BOARDMAN, OH 44512 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.13% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 242 HERITAGE PARK DRIVE SUITE 106 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.13% |
| AUSTIN RADER3 | 242 HERITAGE PARK DRIVE SUITE 106 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.12% |
| KRISTY K COUSINS3 | 315 WALSH ROAD CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.11% |
| TERRANCE M LUCZAJ3 | 435 HARRODS LANE CHARLESTON, SC 29412 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.08% |
| JOSEPH L LEDOUX3 | 674 WATSON BRANCH DRIVE FRANKLIN, TN 37064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.07% |
| SHARON MAY LINDSAY3 Filed as: SHARON B SESSOMS | 1431 ONEAL ROAD HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.07% |
| PAUL GILMORE3 | 4844 GOLFSIDE DRIVE FRISCO, TX 75035 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| JACKSON D RHODES3 | 2332 VOLUNTEER PARKWAY BRISTOL, TN 37620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| DAYTON LLC3 | 221 SERENITY DRIVE PICKENS, SC 29671 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| JAY S OLEARY3 Filed as: JAY S O'LEARY | 301 MALLORY STATION ROAD SUITE 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| DAVID CLAYTON3 | 1054 CARTER DRIVE CHATTANOOGA, TN 37415 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| JOHN DEE MAULDIN3 | 1416 GABLES COURT PLANO, TX 78075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| GARY W JOHNSON3 | 201 W MCBEE AVENUE SUITE 301 GREENVILLE, SC 29601 | 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 | 515 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 528 | $54K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 552 | $181K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 552 | $192K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 552 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 552 | — |
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.