| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | HARTFORD LIFE AND ACCIDENT | $79K | — | $79K | 15.03% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 1.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | PO BOX 101162 PASADENA, CA 911891162 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 0.59% |
| USI INSURANCE SERVICES LLC3 | 470 PARK AVENUE SOUTH NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | — | -$1 | -$1 | -0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES LLC | 5444 WESTHEIMER ROAD SUITE 900 HOUSTON, TX 77056 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | — | $9K | 13.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | 12882 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $527 | — | $527 | 0.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA INC | C/O BANK OF AMERICA CHICAGO, IL 60693 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $455 | — | $455 | 0.67% |
| CHRISTOPHER G RICHARDSON3 | 1011 NORFOLK GREEN CIRCLE CHATANOOGA, TN 37421 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 2.03% |
| HEYWARD RICHARDSON JR3 Filed as: HEYWARD RICHARDSON | 1163 MCCORDS FERRY ROAD LUGOFF, SC 29078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 1.20% |
| HAROLD S CANDLER3 | 1363 HEADQUARTERS PLANTATION D JOHN ISLAND, SC 29455 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.76% |
| ELIZABETH E REEVES3 | 1200 MOUNTAIN CREEK ROAD SUITE 102 CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.65% |
| DANIEL MATHIS3 | 1200 MOUNTAIN CREEK ROAD SUITE 102 CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.54% |
| LINDA F LEE3 | 2120 HAVEN CREST CHATTANOOGA, TN 37421 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.47% |
| CHARLES F GREER3 | 9537 PECKY CYPRESS WAY ORLANDO, FL 32836 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.43% |
| ANDREW F VERBOSKY JR3 | 491 QUARRY LANE WARREN, OH 44483 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.36% |
| JOSHUA R MARTIN3 | 307 SCENIC DRIVE TUNNEL HILL, GA 30755 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.33% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.29% |
| PAULA J FAMBROUGH3 | 8205 DUNMORE DRIVE APT C HUNTERSVILLE, NC 28078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.29% |
| LEWIS P AGNONE3 | 360 EASTWOOD DRIVE HUBBARD, OH 44425 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.25% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.18% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 100 W CYPRESS ROAD SUITE 600 FT LAUDERDALE, FL 33309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.11% |
| KRISTY K COUSINS3 | 315 WALSH ROAD CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.11% |
| TJH CONSULTANTS LLC3 | 2720 BRIARWOOD COURT POLAND, OH 44514 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.11% |
| AUSTIN T RADER3 | 242 HERITAGE PARK DRIVE SUITE 106 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.07% |
| TERRANCE M LUCZAJ3 | 435 HARRODS LANE CHARLESTON, SC 29412 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.07% |
| JOSEPH L LEDOUX3 | 674 WATSON BRANCH DRIVE FRANKLIN, TN 37064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.07% |
| SHARON MAY LINDSAY3 Filed as: SHARON B SESSOMS | 1431 ONEAL ROAD HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.07% |
| JACKSON D RHODES3 | 2332 VOLUNTEER PARKWAY BRISTOL, TN 37620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| DAYTON LLC3 | 221 SERENITY DRIVE PICKENS, SC 29671 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| JAY S OLEARY3 Filed as: JAY S O'LEARY | 301 MALLORY STATION ROAD SUITE 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| DAVID CLAYTON3 | 1054 CARTER DRIVE CHATTANOOGA, TN 37415 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.04% |
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 | 586 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 592 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 619 | $68K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 619 | $531K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 619 | $528K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 619 | $531K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 619 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.