| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BLADWIN GROUP MIDATLANTIC LLC3 Filed as: BLADWIN KRYSTYN SHERMAN PARTNERS | 4211 WEST BOY SCOUT BLVD TAMPA, FL 33607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.94% |
| SHARON MAY LINDSAY3 Filed as: SHARON B SESSOMS | 1431 ONEAL RD HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.77% |
| REBECCA L HOGAN3 | 145 OLD LEAD MINE VALLEY RD SW CLEVELAND, TN 37311 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.50% |
| THE BLADWIN GROUP MIDATLANTIC LLC3 Filed as: THE BLADWIN GROUP SOUTHEAST LLC | 4211 WEST BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $787 | $0 | $787 | 1.12% |
| ETHAN GREER3 | 558 CLINGSMAN LANE CHATTANOOGA, TN 37419 | CONTINENTAL AMERICAN INSURANCE COMPANY | $541 | $0 | $541 | 0.77% |
| TAYLOR R THIGPEN3 | 1200 MOUNTAIN CREEK RD CHATTANOOGA, TN 37405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $354 | $0 | $354 | 0.50% |
| STACI FISHER3 | 1789 BRADY DR APT 4 DALTON, GA 30720 | CONTINENTAL AMERICAN INSURANCE COMPANY | $163 | $0 | $163 | 0.23% |
| STEVEN BREWER3 | 1081 GROVES RD PIKEVILLE, TN 373676737 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | $0 | $55 | 0.08% |
| CASEY A CURLEE3 Filed as: CASEY AARON CURLEE | 11227 YARNELL RD KNOXVILLE, TN 379321934 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | $0 | $42 | 0.06% |
| RILEY D GRAVES3 | 281 WADDELL RD SW CLEVELAND, TN 373118355 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.03% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4823 OLD KINGSTON PIKE STE 300 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 17.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 LIBBY MILL EAST BLVD STE 100 RICHMOND, VA 23230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.76% |
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 | 575 | 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) | 575 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 575 | $60K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 575 | $60K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 575 | $60K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 575 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 575 | — |
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.