| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAMELA LAWHORN3 | 735 BROAD ST STE 100 CHATTANOOGA, TN 37402 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $133K | — | $133K | 3.61% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | — | $16K | 18.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 4.20% |
| P3 WORKPLACE SOLUTIONS5 | 7909 CONCORD HILLS DRIVE STE 105 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.48% |
| NICOLE GOLDEN3 Filed as: NICOLE D. GOLDEN | 6729 SUGAR HILL DRIVE NASHVILLE, TN 37211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 5.15% |
| NICOLE GOLDEN3 Filed as: NICOLE D. GOLDEN | 6729 SUGAR HILL DRIVE NASHVILLE, TN 37211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 3.52% |
| RANDALL WALLACE3 | P.O. BOX 6695 SEVIERVILLE, TN 37864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.78% |
| DISCOVER THE POWER LLC3 | 7909 CONCORD HILLS DRIVE BRENTWOOD, TN 37604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.73% |
| AMANDA L MOORE RHODES3 Filed as: AMANDA L. MOORE | 525 WEST OAKLAND AVENUE JOHNSON CITY, TN 37604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.73% |
| RANDALL WALLACE3 Filed as: RANDALL W. WALLACE | 21 WHITE BRIDGE PIKE STE 201 NASHVILLE, TN 37205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $466 | — | $466 | 0.55% |
| GTL & ASSOCIATES3 | 6729 SUGAR HILL DRIVE NASHVILLE, TN 37211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $380 | — | $380 | 0.45% |
| LAUREN R. TAYLOR3 | 114 DALE ROAD NORRIS, TN 37828 | CONTINENTAL AMERICAN INSURANCE COMPANY | $249 | — | $249 | 0.29% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES F. HILL | 11350 GATES MILL DRIVE KNOXVILLE, TN 37934 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.03% |
| LOGAN S KELLEY3 Filed as: LOGAN S. KELLEY | 139 KENTLAND DRIVE JOHNSON CITY, TN 37604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.03% |
| MOLLIE ZIGELNIK3 | P.O. BOX 6695 SEVIERVILLE, TN 37864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.02% |
| JASON M. CROSS3 | 342 HIGH CIRCLE BRISTOL, TN 37620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| JACKSON D RHODES3 Filed as: JACKSON D. RHODES | 2332 VOLUNTEER PARKWAY BRISTOL, TN 37620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| ALFRED L. HARKLEROAD III3 Filed as: ALFRED L HARKLEROAD III | 600 N STATE OF FRANKLIN #15 JOHNSON CITY, TN 37604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| RYAN DREBING3 Filed as: RYAN A. DREBING | 2112 N. ROAN STREET SUITE 702 JOHNSON CITY, TN 37601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| BYRON REECE3 | 4 ESTATE CT JOHNSON CITY, TN 37604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.71% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.73% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| P3 WORKPLACE SOLUTIONS5 | 7909 CONCORD HILLS DRIVE STE 105 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.84% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.08% |
| PAMELA LAWHORN3 | 735 BROAD ST STE 100 CHATTANOOGA, TN 37402 | TELADOC | $5K | — | $5K | 15.00% |
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 | 600 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 600 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 600 | $3.7M |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 600 | $3.7M |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 600 | $3.7M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 297 | $43K |
| Other(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 355 | $316K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 600 | — |
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.