| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERBIE POWERS3 | P.O. BOX 1568 BRISTOL, TN 37620 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $63K | — | $63K | 2.82% |
| PAMELA LAWHORN3 | 735 BROAD STREET, SUITE 100 CHATTANOOGA, TN 37401 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $24K | — | $24K | 1.09% |
| GTL & ASSOCIATES3 Filed as: GTL & ASSOCIATES, LLC | 6729 SUGAR HILL DRIVE NASHVILLE, TN 37211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29K | — | $29K | 29.78% |
| RYAN DREBING3 Filed as: RYAN A. DREBING | 2112 N. ROAN STREET, SUITE 702 JOHNSON CITY, TN 37601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 5.60% |
| CHARLES HOUGH3 Filed as: CHARLES C. HOUGH | 575 SAND RIDGE CIRCLE JONESBOROUGH, TN 37659 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 4.37% |
| JACKSON D RHODES3 Filed as: JACKSON D. RHODES | TWO RED BUSH CT JOHNSON CITY, TN 37601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 4.34% |
| ALFRED L. HARKLEROAD III3 | 600 N. STATE OF FRANKLIN, #15 JOHNSON CITY, TN 37604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 3.11% |
| NASH & POWERS INSURANCE SERVICES LL3 | 640 STATE STREET BRISTOL, TN 37620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.98% |
| STEPHEN L FOSTER3 Filed as: STEPHEN L. FOSTER | P.O. BOX 4334 JOHNSON CITY, TN 37602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.64% |
| JOHN THOMAS3 | 27 GRACE MEADOW CT GRAY, TN 37615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.34% |
| MICHAEL C. CARRIER3 | 351 RAILROAD ST. BLUFF CITY, TN 37618 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.00% |
| BYRON REECE3 | 4 ESTATE CT. JOHNSON CITY, TN 37604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.75% |
| WILLIAM JUDGE JR3 Filed as: WILLIAM R. KRAMER | 330 GODSEY RD, #144 BRISTOL, TN 37620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $628 | — | $628 | 0.64% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $5K | — | $5K | 15.00% |
| NASH & POWERS INSURANCE SERVICES LL3 | P.O. BOX 1568 BRISTOL, TN 37621 | USABLE LIFE | $3K | — | $3K | 9.23% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $2K | — | $2K | 5.77% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 8.21% |
| NASH & POWERS INSURANCE SERVICES LL3 | P.O. BOX 1568 BRISTOL, TN 37621 | USABLE LIFE | $2K | — | $2K | 5.62% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | USABLE LIFE | $1K | — | $1K | 4.37% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 7.50% |
| NASH & POWERS INSURANCE SERVICE LLC3 Filed as: NASH & POWERS INSURANCE SERVICES, L | P.O. BOX 1568 BRISTOL, TN 37621 | USABLE LIFE | $1K | — | $1K | 5.87% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3605 GLENWOOD AVENUE RALEIGH, NC 27612 | USABLE LIFE | $915 | — | $915 | 4.13% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HIL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | — | $1K | 7.64% |
| NASH & POWERS INSURANCE SERVICE LLC3 Filed as: NASH & POWERS INSURANCE SERVICES, L | P.O. BOX 1568 BRISTOL, TN 37621 | USABLE LIFE | $1K | — | $1K | 5.27% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $920 | — | $920 | 4.73% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $387 | — | $387 | 15.01% |
| NASH & POWERS INSURANCE SERVICES LL3 | P.O. BOX 1568 BRISTOL, TN 37621 | USABLE LIFE | $219 | — | $219 | 8.49% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $167 | — | $167 | 6.48% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 546 | $2.2M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 546 | $2.2M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 546 | $2.2M |
| Long-term disability | USABLE LIFE | 231 | $29K |
| Other(5 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 355 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.