| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN CLINGAN3 | 5110 MARYLAND WAY SUITE 130 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $27K | — | $27K | 4.38% |
| LISA ROBINETTE3 | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $17K | — | $17K | 2.72% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 6.73% |
| SHAFER INSURANCE AGENCY INC3 | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 4.25% |
| NICOLE GOLDEN3 Filed as: NICOLE D GOLDEN | 7909 CONCORD HILLS DRIVE SUITE 105 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 30.53% |
| CARTER L NELSON3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 10.38% |
| STACY SCHMIDT3 | 4421 US HIGHWAY 411 SOUTH MARYVILLE, TN 37801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.16% |
| TONYA MARIE SHELTON3 Filed as: TONYA M SHELTON | 647 LAUREL ROAD SEYMOUR, TN 37865 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| WILLIAM G DABNEY3 | 2220 STEVEN DRIVE KNOXVILLE, TN 37938 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.99% |
| MATTHEW D BUTLER3 | 2427 COVERED BRIDGE BOULEVARD KNOXVILLE, TN 37932 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.27% |
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 | 306 | 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) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 187 | $620K |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 187 | $678K |
| Vision(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 187 | $678K |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 239 | $29K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 239 | $29K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 239 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.