| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAMELA LAWHORN3 | 735 BROAD ST SUITE 100 CHATTANOOGA, TN 37402 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $104K | — | $104K | 3.57% |
| NICOLE GOLDEN3 Filed as: NICOLE D. GOLDEN | 6729 SUGAR HILL DRIVE NASHVILLE, TN 37211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 7.76% |
| DISCOVER THE POWER LLC3 | 7909 CONCORD HILLS DRIVE SUITE 105 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 4.46% |
| DANIELLE STANO3 | 6269 KINGSPORT HIGHWAY GRAY, TN 37615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.95% |
| JACKSON D RHODES3 Filed as: JACKSON D. RHODES | 2332 VOLUNTEER PARKWAY BRISTOL, TN 37620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.41% |
| LAUREN R. TAYLOR3 | 328 WALNUT VALLEY ROAD CLINTON, TN 37716 | CONTINENTAL AMERICAN INSURANCE COMPANY | $760 | — | $760 | 0.70% |
| LOGAN S KELLEY3 Filed as: LOGAN S. KELLEY | 139 KENTLAND DRIVE JOHNSON CITY, TN 37604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $555 | — | $555 | 0.51% |
| JASON M. CROSS3 | 342 HIGH CIRCLE BRISTOL, TN 37620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $387 | — | $387 | 0.36% |
| AMANDA L MOORE RHODES3 Filed as: AMANDA L. MOORE RHODES | 525 W. OAKLAND AVENUE JOHNSON CITY, TN 37604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $297 | — | $297 | 0.27% |
| JOHN THOMAS3 | 27 GRACE MEADOW COURT GRAY, TN 37615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.02% |
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: MELISSA RUTHERFORD | 321 S. WILLOW AVENUE ERWIN, TN 37650 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.02% |
| BRIDGET F. CHANDLEY JENNINGS3 | 403 MILLWHEEL DRIVE JOHNSON CITY, TN 37615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| RICHARD E. MARKLAND3 | 128 SPICE HOLLOW ROAD JOHNSON CITY, TN 37604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| STEPHEN L FOSTER3 Filed as: STEPHEN L. FOSTER | P.O. BOX 4334 JOHNSON CITY, TN 37602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $3K | $15K | 22.20% |
| P3 WORKPLACE SOLUTIONS3 | 7909 CONCORD HILLS DRIVE SUITE 105 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.79% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 19.42% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 14.21% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $737 | $4K | 18.62% |
| P3 WORKPLACE SOLUTIONS | 7909 CONCORD HILLS DRIVE SUITE 105 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 9.04% |
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 | 582 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 582 | $2.9M |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 582 | $2.9M |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 582 | $2.9M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 271 | $34K |
| Other(4 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 441 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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."
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.