| 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. | $101K | — | $101K | 3.43% |
| NICOLE GOLDEN3 Filed as: NICOLE D GOLDEN | 6729 SUGAR HILL DRIVE NASHVILLE, TN 37211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 3.96% |
| DISCOVER THE POWER LLC3 | 7909 CONCORD HILLS DRIVE SUITE 105 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.92% |
| RANDALL WALLACE3 | P.O. BOX 6695 SEVIERVILLE, TN 37864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.62% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES F HILL | 11350 GATES MILL DRIVE KNOXVILLE, TN 37934 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.58% |
| AMANDA L MOORE RHODES3 Filed as: AMANDA L. MOORE RHODES | 247 BROAD STREET, SUITE 202F KINGSPORT, TN 37660 | CONTINENTAL AMERICAN INSURANCE COMPANY | $772 | — | $772 | 0.67% |
| DANIELLE STANO3 | 6269 KINGSPORT HIGHWAY GRAY, TN 37615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $705 | — | $705 | 0.61% |
| JACKSON D RHODES3 | 2332 VOLUNTEER PARKWAY BRISTOL, TN 37620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $385 | — | $385 | 0.34% |
| MOLLIE ZIGELNIK3 | P.O. BOX 6695 SEVIERVILLE, TN 37864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $328 | — | $328 | 0.29% |
| CHARITY TOUTON3 | 2199 MEALER ROAD LENOIR CITY, TN 37771 | CONTINENTAL AMERICAN INSURANCE COMPANY | $312 | — | $312 | 0.27% |
| LAUREN R. TAYLOR3 Filed as: LAUREN R TAYLOR | 328 WALNUT VALLEY ROAD CLINTON, TN 37716 | CONTINENTAL AMERICAN INSURANCE COMPANY | $101 | — | $101 | 0.09% |
| LOGAN S KELLEY3 | 139 KENTLAND DRIVE JOHNSON CITY, TN 37604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | — | $85 | 0.07% |
| STEPHEN L FOSTER3 | P.O. BOX 4334 JOHNSON CITY, TN 37602 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.04% |
| JOHN HAWLEY3 | 116 PICKENS COURT KINGSPORT, TN 37663 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.02% |
| JASON M. CROSS3 Filed as: JASON M CROSS | 342 HIGH CIRCLE BRISTOL, TN 37620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| MATTHEW D BUTLER3 | 2427 COVERED BRIDGE BLVD. KNOXVILLE, TN 37932 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| CHARLES HOUGH3 Filed as: CHARLES C HOUGH | 575 SAND RIDGE CIRCLE JONESBOROUGH, TN 37659 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 18.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 300 SUMMERS STREET SUITE 650 CHARLESTON, WV 25301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 6.35% |
| P3 WORKPLACE SOLUTIONS3 | 7909 CONCORD HILLS DRIVE SUITE 105 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.81% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 300 SUMMERS STREET SUITE 650 CHARLESTON, WV 25301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.85% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 15.80% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | TELADOC | $4K | — | $4K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| P3 WORKPLACE SOLUTIONS3 | 7909 CONCORD HILLS DRIVE SUITE 105 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 9.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 300 SUMMERS STREET SUITE 650 CHARLESTON, WV 25301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.40% |
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 | 594 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TENNESSEE INC. | 594 | $3.0M |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE INC. | 594 | $2.9M |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE INC. | 594 | $2.9M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 299 | $37K |
| Other(4 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 530 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 594 | — |
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.