| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JESSICA PARROTT3 | SOUTH-WEST INS AGENCY P O DRAWER S BIG STONE GAP, VA 24219 | BLUERE OF TENNESSEE | — | $36K | $36K | 13.66% |
| DAVID WHITAKER3 | 125 PRITCHARD DRIVE JONESBOROUGH, TN 376595728 | VISION SERVICE PLAN | $9K | — | $9K | 10.00% |
| SOUTH-WEST INSURANCE AGENCY INC.3 Filed as: SOUTH-WEST INSURANCE AGENCY, INC. | P.O. BOX 700 NORTON, VA 242730700 | SOUTH-WEST INSURANCE AGENCY, INC. | — | $16K | $16K | — |
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 | 677 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 677 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUERE OF TENNESSEE | 1,175 | $266K |
| Dental | SOUTH-WEST INSURANCE AGENCY, INC. | 702 | $0 |
| Vision | VISION SERVICE PLAN | 599 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,175 | — |
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.