| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN HOLLOWAY3 Filed as: JOHN MCGRATH | 736 MARKET STREET, SUITE 1000 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $147K | $0 | $147K | 3.48% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL, LLC | 115 OFFICE PARK DRIVE, SUITE 200 MOUNTAIN BROOK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $37K | $0 | $37K | 16.23% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $16K | $16K | 6.86% |
| DISCOVER THE POWER LLC5 Filed as: DISCOVER THE POWER, LLC | PO BOX 562 BRENTWOOD, TN 37024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.95% |
| GOLDEN NICOLE3 | PO BOX 562 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38K | $0 | $38K | 29.83% |
| MOORE RHODES AMANDA3 | 327 CHARLTON COURT BLUFF CITY, TN 37618 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.60% |
| SEYMOUR GEORGE3 | 819 BONNETHEAD LANE SEYMOUR, TN 37865 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.86% |
| RHODES JACKSON3 | 2332 VOLUNTEER PARKWAY BRISTOL, TN 37620 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $316 | $0 | $316 | 0.25% |
| GOLDEN NICOLE3 | PO BOX 562 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44K | $0 | $44K | 59.17% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL, LLC | 115 OFFICE PARK DRIVE, SUITE 200 MOUNTAIN BROOK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.75% |
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 | 393 | 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) | 393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 638 | $4.2M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 638 | $4.2M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 638 | $4.2M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 397 | $356K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 397 | $228K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 318 | $48K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 397 | $429K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 638 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.