| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICOLE GOLDEN3 Filed as: NICOLE D. GOLDEN | 6729 SUGAR HILL DRIVE NASHVILLE, TN 37211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24K | — | $24K | 6.79% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | — | $20K | 5.83% |
| JENNIFER P EARWOOD3 Filed as: JENNIFER P. EARWOOD | 229 CASTLEWOOD DRIVE, SUITE F MURGREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.00% |
| BELINDA PICKEL3 Filed as: BELINDA B. PICKEL | 113 WYNCREST COURT HENDERSONVILLE, TN 37075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 750 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 762 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 427 | $350K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 427 | $350K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 427 | $350K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.