| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAMELA LAWHORN3 | 736 MARKET ST., STE 1000 CHATTANOOGA, TN 37402 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $71K | — | $71K | 1.90% |
| JOHN HOLLOWAY3 Filed as: JOHN MCGRATH | 115 OFFICE PARK DR., STE 200 BIRMINGHAM, AL 35223 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $60K | — | $60K | 1.62% |
| AMANDA L MOORE RHODES5 Filed as: AMANDA L. MOORE RHODES | 525 W OAKLAND AVENUE JOHNSON CITY, TN 37604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 5.23% |
| NICOLE GOLDEN5 Filed as: NICOLE DANIELLE GOLDEN | 6729 SUGAR HILL DRIVE NASHVILLE, TN 37211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.58% |
| GTL & ASSOCIATES5 | 6729 SUGAR HILL DR NASHVILLE, TN 37211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.57% |
| DISCOVER THE POWER LLC5 | 7909 CONCORD HILLS DRIVE, SUITE 105 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.48% |
| JOSHUA PATRICK JORDAN5 | 2515 ROARING FORK RD GREENEVILLE, TN 37743 | CONTINENTAL AMERICAN INSURANCE COMPANY | $999 | — | $999 | 0.86% |
| RANDALL WALLACE5 Filed as: RANDALL W WALLACE | 21 WHITE BRIDGE PIKE STE 201 NASHVILLE, TN 37205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $151 | — | $151 | 0.13% |
| STEPHEN LESLIE FOSTER5 | 3368 GREENWOOD DR JOHNSON CITY, TN 37604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 0.06% |
| JACKSON DENNIS RHODES5 | 327 CHARLTON CT BLUFF CITY, TN 37618 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.06% |
| RYAN ANDREW DREBING5 | 221 PERSIMMON LN JONESBOROUGH, TN 37659 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.04% |
| SABRINA A. HUREY5 | 315 GRATA ROAD KNOXVILLE, TN 37914 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.04% |
| JACKSON DENNIS RHODES5 | 327 CHARLTON CT BLUFF CITY, TN 37618 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.03% |
| BYRON REECE5 | 4 ESTATE COURT JOHNSON CITY, TN 37604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.03% |
| CHARLES HOUGH5 Filed as: CHARLES CLAYTON HOUGH | 162 SLATE HILL RD TELFORD, TN 37690 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.03% |
| TRUSTPOINT BENE & COMP COMPLIANCE5 Filed as: TRUSTPOINT BENEFITS AND COMP | 425 STATE STREET, SUITE 307 BRISTOL, VA 24201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.02% |
| NICOLE GOLDEN5 Filed as: NICOLE DANIELLE GOLDEN | 6729 SUGAR HILL DR NASHVILLE, TN 37211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| JAMES A SCOTT & SON INC5 Filed as: JAMES F. HILL | 11350 GATES MILL DRIVE KNOXVILLE, TN 37934 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LOGAN S KELLEY5 Filed as: LOGAN S. KELLY | 130 KENTLAND DRIVE JOHNSON CITY, TN 37604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| COBBS ALLEN & HALL INC Filed as: COBBS ALLEN CAPITAL, LLC | 115 OFFICE PARK DR, STE 200 MOUNTAIN BRK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 10.44% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 7.55% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.62% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | GA PURPOSES ONLY 1607 N AURORA RD STE 201 NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.90% |
| P3 WORKPLACE SOLUTIONS5 | P.O. BOX 562 BRENTWOOD, TN 37024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.20% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL, LLC | 115 OFFICE PARK DR., STE 200 MOUNTAIN BRK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 8.72% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.28% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.74% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | GA PURPOSES ONLY 1607 N AURORA RD STE 201 NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.91% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $3K | 8.07% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL, LLC | 115 OFFICE PARK DR., STE 200 MOUNTAIN BRK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.85% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | 1607 N AURORA RD, STE 201 NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.93% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL, LLC | 115 OFFICE PARK DR, STE 200 MOUNTAIN BRK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.81% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.19% |
| P3 WORKPLACE SOLUTIONS5 | P. O. BOX 562 BRENTWOOD, TN 37024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.50% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.47% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | GA PURPOSES ONLY 1607 N AURORA RD STE 201 NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.94% |
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 | 626 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 626 | $3.7M |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 626 | $3.7M |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 626 | $3.7M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 296 | $42K |
| Other(4 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 376 | $327K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 626 | — |
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.