| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAMELA LAWHORN3 | 735 BROAD STREET, STE 100 CHATTANOOGA, TN 37401 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $98K | — | $98K | 3.45% |
| NICOLE GOLDEN3 Filed as: NICOLE D. GOLDEN | 6729 SUGAR HILL DR NASHVILLE, TN 37211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | — | $15K | 14.59% |
| JACKSON D RHODES3 Filed as: JACKSON D. RHODES | 2332 VOLUNTEER PARKWAY BRISTOL, TN 37620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.08% |
| RYAN DREBING3 Filed as: RYAN A. DREBING | 2112 N. ROAN STREET SUITE 702 JOHNSON CITY, TN 37601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $848 | — | $848 | 0.81% |
| CHARLES HOUGH3 Filed as: CHARLES C. HOUGH | 575 SAND RIDGE CIRCLE JONESBOROUGH, TN 37659 | CONTINENTAL AMERICAN INSURANCE COMPANY | $364 | — | $364 | 0.35% |
| ALEC B. WHITEHEAD3 | 226 SOUTH ROAN STREET ELIZABETHTON, TN 37643 | CONTINENTAL AMERICAN INSURANCE COMPANY | $326 | — | $326 | 0.31% |
| AMANDA L MOORE RHODES3 Filed as: AMANDA L. MOORE RHODES | 525 W. OAKLAND AVENUE JOHNSON CITY, TN 37604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $324 | — | $324 | 0.31% |
| JOHN THOMAS3 | 27 GRACE MEADOW CT. GRAY, TN 37615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $312 | — | $312 | 0.30% |
| ALFRED L. HARKLEROAD III3 | 600 N. STATE OF FRANKLIN #15 JOHNSON CITY, TN 37604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $308 | — | $308 | 0.29% |
| RICHARD E. MARKLAND3 | 128 SPICE HOLLOW RD JOHNSON CITY, TN 37604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $118 | — | $118 | 0.11% |
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: MELISSA RUTHERFORD | 321 S. WILLOW AVE. ERWIN, TN 37650 | CONTINENTAL AMERICAN INSURANCE COMPANY | $112 | — | $112 | 0.11% |
| BRIDGET F. CHANDLEY JENNINGS3 | 403 MILLWHEEL DR. JOHNSON CITY, TN 37615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | — | $100 | 0.10% |
| NASH & POWERS INSURANCE SERVICES LL3 | 640 STATE STREET BRISTOL, TN 37620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.05% |
| BYRON REECE3 | 4 ESTATE CT. JOHNSON CITY, TN 37604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.04% |
| STEPHANIE H. DREBING3 | 2112 N. ROAN STREET SUITE 702 JOHNSON CITY, TN 37601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.02% |
| JUSTIN J. HAZLEWOOD3 | 51 CARTERS WAY TELEFORD, TN 37690 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $5K | — | $5K | 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 | 6.97% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 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% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 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 | 7.65% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 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 | $1K | — | $1K | 6.94% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $559 | — | $559 | 15.01% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVE RALEIGH, NC 27612 | USABLE LIFE | $559 | — | $559 | 15.01% |
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 | 316 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 536 | $2.8M |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 536 | $2.8M |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 536 | $2.8M |
| Long-term disability | USABLE LIFE | 265 | $39K |
| Other(5 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 441 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 536 | — |
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.
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.