| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | — | $9K | 2.66% |
| RUSSELL W. INGRAM3 Filed as: RUSSELL WILLIAM INGRAM | 1303 SUNSET DR STE 3 JOHNSON CITY, TN 37604 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | — | $18K | 21.80% |
| STEPHANIE H. DREBING3 Filed as: STEPHANIE H DREBING | 221 PERSIMMON LANE JONESBOROUGH, TN 37659 | AFLAC | $3K | $310 | $3K | 8.50% |
| RYAN DREBING3 Filed as: RYAN A DREBING | 2112 N ROAN ST STE 702 JOHNSON CITY, TN 37601 | AFLAC | $3K | $192 | $3K | 7.31% |
| JACKSON D RHODES3 | 525 W OAKLAND AVE STE7 JOHNSON CITY, TN 37604 | AFLAC | $1K | $192 | $1K | 3.55% |
| CHARLES HOUGH3 Filed as: CHARLES C HOUGH | 162 SLATE HILL RD TELFORD, TN 37690 | AFLAC | $554 | $41 | $595 | 1.53% |
| STEPHEN L FOSTER3 | PO BOX 4334 JOHNSON CITY, TN 37602 | AFLAC | $415 | $26 | $441 | 1.13% |
| JOHN THOMAS3 | 27 GRACE MEADOWS CT GRAY, TN 37615 | AFLAC | $413 | — | $413 | 1.06% |
| AUSTIN RADER3 | 106 FERRELL AVE STE 6 KINGSPORT, TN 37663 | AFLAC | $246 | $100 | $346 | 0.89% |
| AMANDA L MOORE RHODES3 | 327 CHARLTON CT BLUFF CITY, TN 37618 | AFLAC | $344 | — | $344 | 0.88% |
| CINDY LYNN HANNA3 | 8922 SNOWYPOINTE WAY KNOXVILLE, TN 37931 | AFLAC | $186 | $63 | $249 | 0.64% |
| BRIAN BROYLES3 Filed as: BRIAN B BROYLES | 1551 E JACKSON BLVD JONESBOROUGH, TN 37659 | AFLAC | $178 | $62 | $240 | 0.62% |
| WILLAM R E KRAMER3 | 525 W OAKLAND AVE STE 7 JOHNSON CITY, TN 37604 | AFLAC | $163 | $56 | $219 | 0.56% |
| KODY L HODGE3 | 430 ALFALFA LN JONESBOROUGH, TN 37659 | AFLAC | $149 | $52 | $201 | 0.52% |
| GEORGE C SEYMOUR3 | 1007 LAURELWOOD DR KINGSPORT, TN 37660 | AFLAC | $143 | $55 | $198 | 0.51% |
| LYNN B HODGE3 | 430 ALFALFA LN JONESBOROUGH, TN 37659 | AFLAC | $96 | $42 | $138 | 0.35% |
| TOBY L GRIZZEL3 | 19056 COACHMANS TRCE CORNELIUS, NC 28031 | AFLAC | $98 | $33 | $131 | 0.34% |
| KIMBERLY STATEN3 Filed as: KIMBERLY B STATEN | PO BOX 8184 GRAY, TN 37615 | AFLAC | $66 | $24 | $90 | 0.23% |
| JAMES J BARBARITO3 | 4 CARRIAGE COURT JOHNSON CITY, TN 37604 | AFLAC | $51 | $20 | $71 | 0.18% |
| WILLIAM J TUCKER3 | 1011 WESTMINISTER DR JOHNSON CITY, TN 37604 | AFLAC | $40 | $15 | $55 | 0.14% |
| ZACHARY SETH BOYD3 | 171 ROANOKE RD FLETCHER, NC 28732 | AFLAC | $37 | $9 | $46 | 0.12% |
| RALPH E RAESEMANN3 | 115 LARCHMONT DR HENDERSONVILLE, NC 28791 | AFLAC | $22 | $6 | $28 | 0.07% |
| JANICE C BOYD3 | 120 W ALLEN ST STE 20 HENDERSONVILLE, NC 28792 | AFLAC | $10 | $3 | $13 | 0.03% |
| SUSAN HAMER3 | 120 W ALLEN ST, STE 20 HENDERSONVILLE, NC 28792 | AFLAC | $6 | $3 | $9 | 0.02% |
| RYAN DREBING3 Filed as: RYAN A DEBRING | 2112 N ROAN ST STE 702 JOHNSON CITY, TN 37601 | AFLAC | $2K | $95 | $2K | 11.16% |
| STEPHANIE H. DREBING3 Filed as: STEPHANIE DREBING | 221 PERSIMMON LN JONESBOROUGH, TN 37659 | AFLAC | $2K | $87 | $2K | 10.59% |
| JACKSON D RHODES3 | 525 OAKLAND AVE STE 7 JOHNSON CITY, TN 37604 | AFLAC | $701 | $66 | $767 | 4.66% |
| JAMES J BARBARITO3 | 4 CARRIAGE CT JOHNSON CITY, TN 37604 | AFLAC | $562 | $69 | $631 | 3.83% |
| WILLIAM J TUCKER3 | 1011 WESTMINSTER DR JOHNSON CITY, TN 37604 | AFLAC | $571 | $18 | $589 | 3.58% |
| TOBY L GRIZZEL3 | 19056 COACHMANS TRCE CORNELIUS, NC 28031 | AFLAC | $195 | $39 | $234 | 1.42% |
| CHARLES HOUGH3 Filed as: CHARLES C HOUGH | 162 SLATE HILL RD TELFORD, TN 37690 | AFLAC | $206 | — | $206 | 1.25% |
| BYRON REECE3 | 4 ESTATE CT JOHNSON CITY, TN 37604 | AFLAC | $191 | — | $191 | 1.16% |
| WILLIAM JUDGE JR3 Filed as: WILLIAM R E KRAMER | 525 W OAKLAND AVE STE 7 JOHNSON CITY, TN 37604 | AFLAC | $58 | $13 | $71 | 0.43% |
| KODY L GUINN3 | 160 COX RD APT 18 JOHNSON CITY, TN 37615 | AFLAC | $66 | — | $66 | 0.40% |
| STEPHEN L FOSTER3 | PO BOX 4334 JOHNSON CITY, TN 37602 | AFLAC | $50 | $11 | $61 | 0.37% |
| RUSSELL W. INGRAM3 | 1303 SUNSET DRIVE SUITE 3 JOHNSON CITY, TN 376047905 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 25.00% |
| RUSSELL W. INGRAM3 Filed as: RUSSELL W INGRAM | 1303 SUNSET DRIVE STE 3 JOHNSON CITY, TN 376047905 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $696 | — | $696 | 15.01% |
| RUSSELL W. INGRAM3 Filed as: RUSSELL W INGRAM | 1303 SUNSET DRIVE STE 3 JOHNSON CITY, TN 376047905 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $322 | — | $322 | 15.01% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 292 | $351K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 292 | $351K |
| Life insurance(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 256 | $100K |
| Short-term disability(2 contracts) | AFLAC | 53 | $55K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 256 | $89K |
| Other(4 contracts, 2 carriers) | AFLAC | 87 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.