| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUSSELL W. INGRAM3 | 1303 SUNSET DRIVE SUITE 3 JOHNSON CITY, TN 376047905 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 25.00% |
| STEPHANIE H. DREBING3 Filed as: STEPHANIE H DREBING | 221 PERSIMMON LANE JONESBOROUGH, TN 37659 | AFLAC | $2K | — | $2K | 8.65% |
| RYAN DREBING3 Filed as: RYAN A DREBING | 2112 N ROAN ST STE 702 JOHNSON CITY, TN 37601 | AFLAC | $1K | — | $1K | 6.14% |
| JACKSON D RHODES3 | 525 W OAKLAND AVE STE7 JOHNSON CITY, TN 37604 | AFLAC | $1K | — | $1K | 5.77% |
| STEPHANIE H. DREBING3 Filed as: STEPHANIE H DREBING | 67 CATERS VIEW WAY TELFORD, TN 37690 | AFLAC | $855 | — | $855 | 3.62% |
| AUSTIN RADER3 | 106 FERRELL AVE STE 6 KINGSPORT, TN 37663 | AFLAC | $831 | — | $831 | 3.52% |
| RYAN DREBING3 Filed as: RYAN A DREBING | 525 W OAKLAND AVE STE 7 JOHNSON CITY, TN 37604 | AFLAC | $609 | — | $609 | 2.58% |
| GEORGE C SEYMOUR3 | 1007 LAURELWOOD DR KINGSPORT, TN 37660 | AFLAC | $578 | — | $578 | 2.45% |
| BRIAN BROYLES3 Filed as: BRIAN B BOYLES | 1551 E JACKSON BLVD JONESBOROUGH, TN 37659 | AFLAC | $443 | — | $443 | 1.88% |
| KODY L GUINN3 | 160 COX RD APT 18 JOHNSON CITY, TN 37615 | AFLAC | $432 | — | $432 | 1.83% |
| WILLAM R E KRAMER3 | 525 W OAKLAND AVE STE 7 JOHNSON CITY, TN 37604 | AFLAC | $408 | — | $408 | 1.73% |
| KIMBERLY STATEN3 Filed as: KIMBERLY B STATEN | PO BOX 8184 GRAY, TN 37615 | AFLAC | $403 | — | $403 | 1.71% |
| CINDY LYNN HANNA3 | 1177 GOLF COURSE RD NEWPORT, TN 37821 | AFLAC | $388 | — | $388 | 1.64% |
| CHARLES HOUGH3 Filed as: CHARLES C HOUGH | 162 SLATE HILL RD TELFORD, TN 37690 | AFLAC | $377 | — | $377 | 1.60% |
| LYNN B HODGE3 | 32 EARHART RD BLUFF CITY, TN 37618 | AFLAC | $348 | — | $348 | 1.47% |
| JAMES J BARBARITO3 | 4 CARRIAGE COURT JOHNSON CITY, TN 37604 | AFLAC | $336 | — | $336 | 1.42% |
| TOBY L GRIZZEL3 | PO BOX 4477 JOHNSON CITY, TN 37602 | AFLAC | $285 | — | $285 | 1.21% |
| WILLIAM J TUCKER3 | 1011 WESTMINISTER DR JOHNSON CITY, TN 37604 | AFLAC | $278 | — | $278 | 1.18% |
| STEPHEN L FOSTER3 | PO BOX 4334 JOHNSON CITY, TN 37602 | AFLAC | $263 | — | $263 | 1.11% |
| BETH LINGERFELT3 | 285 WASHINGTON ST UNICOI, TN 37692 | AFLAC | $223 | — | $223 | 0.94% |
| CINDY L HANNA3 | 1177 GOLF COURSE RD NEWPORT, TN 37821 | AFLAC | $155 | — | $155 | 0.66% |
| BRIAN BROYLES3 Filed as: BRIAN B BROYLES | 913 TUSCULUM BLVD GREENEVILLE, TN 37745 | AFLAC | $74 | — | $74 | 0.31% |
| WILLIAM JUDGE JR3 Filed as: WILLIAM R E KRAMER | 330 GODSEY RD 144 BRISTOL, TN 37620 | AFLAC | $68 | — | $68 | 0.29% |
| BYRON REECE3 | 4 ESTATE CT JOHNSON CITY, TN 37604 | AFLAC | $54 | — | $54 | 0.23% |
| STEPHEN L FOSTER3 | PO BOX 4334 CRS JOHNSON CITY, TN 37602 | AFLAC | $47 | — | $47 | 0.20% |
| BB&T INSURANCE SERVICES, INC.3 | 3318 WEST FRIENDLY AVE GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 9.86% |
| RUSSELL W. INGRAM3 Filed as: RUSSELL W INGRAM | 1303 SUNSET DRIVE STE 3 JOHNSON CITY, TN 376047905 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| WILLIAM J TUCKER3 | 1011 WESTMINSTER DR JOHNSON CITY, TN 37604 | AFLAC | $939 | — | $939 | 9.52% |
| JAMES J BARBARITO3 | 4 CARRIAGE CT JOHNSON CITY, TN 37604 | AFLAC | $843 | — | $843 | 8.55% |
| STEPHANIE H. DREBING3 Filed as: STEPHANIE DREBING | 221 PERSIMMON LN JONESBOROUGH, TN 37659 | AFLAC | $801 | — | $801 | 8.12% |
| RYAN DREBING3 Filed as: RYAN A DEBRING | 2112 N ROAN ST STE 702 JOHNSON CITY, TN 37601 | AFLAC | $709 | — | $709 | 7.19% |
| JACKSON D RHODES3 | 525 OAKLAND AVE STE 7 JOHNSON CITY, TN 37604 | AFLAC | $592 | — | $592 | 6.00% |
| STEPHANIE H. DREBING3 Filed as: STEPHANIE H DEBRING | 67 CATERS VIEW WAY TELFORD, TN 37690 | AFLAC | $401 | — | $401 | 4.07% |
| RYAN DREBING3 Filed as: RYAN A DEBRING | 525 W OAKLAND AVE STE 7 JOHNSON CITY, TN 37604 | AFLAC | $354 | — | $354 | 3.59% |
| BYRON REECE3 | 4 ESTATE CT JOHNSON CITY, TN 37604 | AFLAC | $324 | — | $324 | 3.29% |
| CHARLES HOUGH3 Filed as: CHARLES C HOUGH | 162 SLATE HILL RD TELFORD, TN 37690 | AFLAC | $289 | — | $289 | 2.93% |
| TOBY L GRIZZEL3 | PO BOX 4477 JOHNSON CITY, TN 37602 | AFLAC | $216 | — | $216 | 2.19% |
| KODY L GUINN3 | 160 COX RD APT 18 JOHNSON CITY, TN 37615 | AFLAC | $198 | — | $198 | 2.01% |
| WILLIAM JUDGE JR3 Filed as: WILLIAM R E KRAMER | 525 W OAKLAND AVE STE 7 JOHNSON CITY, TN 37604 | AFLAC | $64 | — | $64 | 0.65% |
| STEPHEN L FOSTER3 | PO BOX 4334 JOHNSON CITY, TN 37602 | AFLAC | $48 | — | $48 | 0.49% |
| RUSSELL W. INGRAM3 Filed as: RUSSELL W INGRAM | 1303 SUNSET DRIVE STE 3 JOHNSON CITY, TN 376047905 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 362 | $19K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 362 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 87 | $57K |
| Short-term disability(2 contracts) | AFLAC | 38 | $33K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 64 | $19K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 87 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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."
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.