| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID FIGLESTAHLER3 | 2380 N OCOEE ST CLEVELAND, TN 37311 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $48K | — | $48K | 5.63% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | 160 W SANTA CLARA ST SUITE 675 SAN JOSE, CA 95113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH STREET SUITE 1100 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 30.59% |
| SHARON MAY LINDSAY3 Filed as: SHARON B SESSOMS | 1431 ONEAL ROAD HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 12.95% |
| STACI FISHER3 | 1789 BRADY DRIVE APARTMENT 4 DALTON, GA 30720 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 12.90% |
| CASEY A CURLEE3 Filed as: CASEY AARON CURLEE | 11227 YARNELL ROAD KNOXVILLE, TN 37932 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 5.80% |
| SHERYL YATES3 | 605 CHESTNUT ST CHATTANOOGA, TN 37450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.37% |
| AMANDA CRAFT3 | 2448 WATERHAVEN DRIVE CHATTANOOGA, TN 37406 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.50% |
| DAVID P GALLOWAY3 Filed as: DAVID PAUL GALLOWAY | 99 LEE COURT RINGGOLD, GA 30736 | CONTINENTAL AMERICAN INSURANCE COMPANY | $266 | — | $266 | 0.57% |
| SHANE BOLES3 | 115 GULCH ROAD TRENTON, GA 30752 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | — | $73 | 0.16% |
| RILEY D GRAVES3 | 281 WADDELL ROAD SW CLEVELAND, TN 37311 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.06% |
| TAYLOR THIGPEN3 | 605 COMMODORE LANE KNOXVILLE, TN 37934 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| ETHAN GREER3 | 558 CLINGMANS LANE CHATTANOOGA, TN 37419 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | 160 W SANTA CLARA ST STE 675 SAN JOSE, CA 951131700 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SVCS INC | 160 W SANTA CLARA ST STE 675 SAN JOSE, CA 951131700 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 310 | $859K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 310 | $859K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 310 | $859K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $19K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 214 | $59K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 70 | $17K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 126 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.