| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | — | $25K | 17.95% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN | $12K | $4K | $17K | 16.21% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $5K | — | $5K | 5.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 15.07% |
| SHARON MAY LINDSAY3 Filed as: SHARON B. SESSOMS | 1431 ONEAL RD. HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 10.16% |
| ETHAN GREER3 | 558 CLINGMANS LANE CHATTANOOGA, TN 37419 | CONTINENTAL AMERICAN INSURANCE COMPANY | $343 | — | $343 | 1.92% |
| TAYLOR THIGPEN3 | 605 COMMODORE LANE KNOXVILLE, TN 37934 | CONTINENTAL AMERICAN INSURANCE COMPANY | $212 | — | $212 | 1.19% |
| STACI FISHER3 | 1789 BRADY DR. APT 4 DALTON, GA 30720 | CONTINENTAL AMERICAN INSURANCE COMPANY | $196 | — | $196 | 1.10% |
| CASEY A CURLEE3 Filed as: CASEY AARON CURLEE | 11227 YARNELL RD. KNOXVILLE, TN 37932 | CONTINENTAL AMERICAN INSURANCE COMPANY | $160 | — | $160 | 0.90% |
| STEVEN BREWER3 | 1081 GROVES RD. PIKEVILLE, TN 37367 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.16% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | — | AFLAC | $1K | $52 | $1K | 11.73% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 77 | $137K |
| Dental | GUARDIAN | 103 | $103K |
| Vision | GUARDIAN | 103 | $103K |
| Life insurance | GUARDIAN | 103 | $103K |
| Short-term disability | GUARDIAN | 103 | $103K |
| Long-term disability | GUARDIAN | 103 | $103K |
| Other(3 contracts, 3 carriers) | GUARDIAN | 103 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.