| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAM LAWHORN3 | 735 BROAD ST, SUITE 100 CHATTANOOGA, TN 37401 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $99K | — | $99K | 3.49% |
| GTL & ASSOCIATES3 Filed as: GTL & ASSOCIATES LLC | 7909 CONCORD HILLS DR STE 105 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | — | $16K | 14.99% |
| RYAN DREBING3 Filed as: RYAN A. DREBING | 2112 N. ROAD STREET SUITE 702 JOHNSON CITY, TN 37601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.50% |
| CHARLES HOUGH3 Filed as: CHARLES C. HOUGH | 575 SAND RIDGE CIRCLE JONESBOROUGH, TN 37659 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.99% |
| ALFRED L. HARKLEROAD III3 | 600 N. STATE OF FRANKLIN #15 JOHNSON CITY, TN 37604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.84% |
| JACKSON D RHODES3 Filed as: JACKSON D. RHODES | 2332 VOLUNTEER PARKWAY BRISTOL, TN 37620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.44% |
| BYRON REECE3 | 4 ESTATE CT. JOHNSON CITY, TN 37604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $469 | — | $469 | 0.44% |
| JOHN THOMAS3 | 27 GRACE MEADOW CT GRAY, TN 37615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $437 | — | $437 | 0.41% |
| NASH & POWERS INSURANCE SERVICES LL3 | 640 STATE STREET BRISTOL, TN 37620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $357 | — | $357 | 0.34% |
| STEPHANIE H. DREBING3 | 2112 N. ROAN STREET SUITE 702 JOHNSON CITY, TN 37601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $329 | — | $329 | 0.31% |
| ALEC B. WHITEHEAD3 | 226 SOUTH ROAN ELIZABETHTON, TN 37643 | CONTINENTAL AMERICAN INSURANCE COMPANY | $251 | — | $251 | 0.24% |
| STEPHEN L FOSTER3 Filed as: STEPHEN L. FOSTER | P.O. BOX 4334 JOHNSON CITY, TN 37602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $201 | — | $201 | 0.19% |
| MICHAEL C. CARRIER3 | 351 RAILROAD ST. BLUFF CITY, TN 37618 | CONTINENTAL AMERICAN INSURANCE COMPANY | $145 | — | $145 | 0.14% |
| WILLIAM JUDGE JR3 Filed as: WILLIAM R. KRAMER | 330 GODSEY ROAD #144 BRISTOL, TN 37620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.04% |
| JUSTIN J. HAZLEWOOD3 | 51 CARTERS WAY TELFORD, TN 37690 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $7K | — | $7K | 15.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $7K | — | $7K | 15.00% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $4K | — | $4K | 10.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 7.02% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $4K | — | $4K | 10.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 7.77% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $2K | — | $2K | 10.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 6.96% |
| BB&T INSURANCE SERVICES, INC.3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $558 | — | $558 | 14.99% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $558 | — | $558 | 14.99% |
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 | 331 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 541 | $2.8M |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 541 | $2.8M |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 541 | $2.8M |
| Long-term disability | USABLE LIFE | 255 | $37K |
| Other(5 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 402 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 541 | — |
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.