| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAMELA LAWHORN3 Filed as: PAMELA LAWHORT | 735 BROAD ST STE 100 CHATTANOOGA, TN 37402 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $119K | — | $119K | 3.63% |
| NICOLE GOLDEN5 Filed as: NICOLE DANIELLE GOLDEN | 6729 SUGAR HILL DR NASHVILLE, TN 37211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 7.45% |
| AMANDA L MOORE RHODES3 Filed as: AMANDA L. MOORE | 327 CHARLTON COURT BLUFF CITY, TN 37618 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 3.63% |
| GTL & ASSOCIATES5 | 6729 SUGAR HILL DR NASHVILLE, TN 37211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 3.32% |
| DISCOVER THE POWER LLC5 | 7909 CONCORD HILLS DR SUITE 105 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.86% |
| RANDALL WALLACE5 Filed as: RANDALL W. WALLACE | 21 WHITE BRIDGE PIKE SUITE 201 NASHVILLE, TN 37205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.17% |
| RANDALL WALLACE5 | 1204 RACHEL ST SEVIERVILLE, TN 37876 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.83% |
| SABRINA A. HUREY5 | 315 GRATA RD KNOXVILLE, TN 37914 | CONTINENTAL AMERICAN INSURANCE COMPANY | $274 | — | $274 | 0.21% |
| JACKSON DENNIS RHODES5 | 327 CHARLTON COURT BLUFF CITY, TN 37618 | CONTINENTAL AMERICAN INSURANCE COMPANY | $179 | — | $179 | 0.14% |
| CHARLES HOUGH Filed as: CHARLES CLAYTON HOUGH | 162 SLATE HILL RD TELFORD, TN 37690 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| JAMES A SCOTT & SON INC5 Filed as: JAMES F. HILL | 11350 GATES MILL DR KNOXVILLE, TN 37934 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| RYAN ANDREW DREBING5 | 221 PERSIMMON LN JONESBOROUGH, TN 37659 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| STEPHEN LESLIE FOSTER5 | 3368 GREENWOOD DR JOHNSON CITY, TN 37604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| LOGAN S KELLEY5 Filed as: LOGAN S. KELLEY | 139 KENTLAND DR JOHNSON CITY, TN 37604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| LAUREN R. TAYLOR5 | 114 DALE RD NORRIS, TN 37828 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JOHN THOMAS5 | 27 GRACE MEADOWS COURT GRAY, TN 37615 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| TRUSTPOINT BENEFITS & COMPENSATION5 Filed as: TRUSTPOINT BENEFITS AND COMPENSATIO | 425 STATE STREET SUITE 307 BRISTOL, VA 24201 | 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 | $15K | $4K | $19K | 23.16% |
| P3 WORKPLACE SOLUTIONS5 | P.O. BOX 562 BRENTWOOD, TN 37024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.56% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $4K | $15K | 19.88% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 15.19% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 20.74% |
| P3 WORKPLACE SOLUTIONS5 | P.O. BOX 562 BRENTWOOD, TN 37024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 6.69% |
| PAMELA LAWHORN3 | 735 BROAD ST SUITE 100 CHATTANOOGA, TN 37402 | TELADOC | $4K | — | $4K | 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 | 611 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 611 | $3.3M |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 611 | $3.3M |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 611 | $3.3M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 292 | $41K |
| Other(5 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 675 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 675 | — |
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."
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.