| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP | 3060 PEACHTREE ROAD, NW SUITE 1650 ATLANTA, GA 30305 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $89K | $89K | 3.54% |
| WANDA STEPP3 | 4720 FOWLER DRIVE MORRISTOWN, TN 37814 | AFLAC | $2K | — | $2K | 4.05% |
| STRATE INSURANCE GROUP, INC.3 Filed as: STRATE INSURANCE GROUP, INC | 1750 WEST ANDREW JOHNSON HIGHWAY MORRISTOWN, TN 37814 | AFLAC | $2K | — | $2K | 3.60% |
| CLIFF STEPP3 | 4720 FOWLER DRIVE MORRISTOWN, TN 37814 | AFLAC | $664 | — | $664 | 1.45% |
| JOAN TAYLOR3 Filed as: JOAN E TAYLOR | 1841 NEEDMORE RD WHITESBURG, TN 37891 | AFLAC | $436 | $11 | $447 | 0.98% |
| CHARLES F GREER3 Filed as: CHARLES GREER | 2888 ALOMA LAKE RUN SUITE 2300 OVIEDO, FL 32765 | AFLAC | $331 | — | $331 | 0.72% |
| LYNN HODGE3 | 32 EARHART RD BLUFF CITY, TN 37618 | AFLAC | $323 | — | $323 | 0.71% |
| JACKSON D RHODES3 | 525 W OAKLAND AVE STE 7 JOHNSON CITY, TN 37604 | AFLAC | $218 | $4 | $222 | 0.49% |
| EMMETT HAWKINS3 Filed as: EMMETT M HAWKINS | PO BOX 322 ABINGDON, VA 24212 | AFLAC | $137 | — | $137 | 0.30% |
| RONALD H RICHEY3 Filed as: RONALD RICHEY | 4023 LAURAWOOD LANE FRANKLIN, TN 37064 | AFLAC | $132 | — | $132 | 0.29% |
| JAMES C FARMER JR3 | 641 OLD HICKORY BLVD UNIT 60 BRENTWOOD, TN 37027 | AFLAC | $100 | — | $100 | 0.22% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $63 | — | $63 | 0.14% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $41 | — | $41 | 0.09% |
| ALAN W MARTIN3 | 123 CENTER PARK DR SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $37 | — | $37 | 0.08% |
| VBTN, INC3 | 301 MALLORY STATION RD STE 100 FRANKLIN, TN 37067 | AFLAC | $22 | $4 | $26 | 0.06% |
| BRIAN BROYLES3 | 913 TUSCULUM BLVD GREENEVILLE, TN 37745 | AFLAC | $17 | $4 | $21 | 0.05% |
| DAVID R CHARLES3 | 214 WINDRIDGE COLONY JOHNSON CITY, TN 37601 | AFLAC | $14 | — | $14 | 0.03% |
| GARY W LOVELL3 | PO BOX 682146 FRANKLIN, TN 37068 | AFLAC | $6 | — | $6 | 0.01% |
| JOAN TAYLOR3 Filed as: JOAN E TAYLOR | 400 W MAIN STREET SUITE 303A MORRISTOWN, TN 37814 | CONTINENTAL AMERICAN INSURANCE COMPANY | $290 | — | $290 | 3.69% |
| JAMES C FARMER JR3 | 641 OLD HICKORY BLVD UNIT 60 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $234 | — | $234 | 2.98% |
| STRATE INSURANCE GROUP, INC.3 Filed as: STRATE INSURANCE GROUP | 1750 W ANDREW JOHNSON MORRISTOWN, TN 37814 | CONTINENTAL AMERICAN INSURANCE COMPANY | $139 | — | $139 | 1.77% |
| JACKSON D RHODES3 | TWO RED BUSH CT #3 JOHNSON CITY, TN 37601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $134 | — | $134 | 1.71% |
| CHARLES HOUGH3 Filed as: CHARLES C HOUGH | 575 SAND RIDGE CIRCLE JONESBOROUGH, TN 37659 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.76% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.71% |
| BRIAN BROYLES3 Filed as: BRIAN B BROYLES | 111 VILLAGE DRIVE SUITE 1 GREENVILLE, TN 37745 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.33% |
| EMMETT HAWKINS3 Filed as: EMMETT M HAWKINS | PO BOX 322 ABINGDON, VA 24212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.28% |
| VBTN, INC3 Filed as: VBTN, INC. | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.24% |
| JAY S OLEARY3 Filed as: JAY S O'LEARY | 301 MALLORY STATION RD STE 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.13% |
| JOSEPH L LEDOUX3 | 301 MALLORY STATION RD STE 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.09% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| JOANNA G MATHERLY3 Filed as: JOANNA G PEOPLE | 301 MALLORY STATION RD STE 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSUR. CO. EIN 59-1031071 CLAIMS ADMIN | Named fiduciary; Contract Administrator; Direct payment from the plan; Float revenue; Non-monetary compensation; Claims processing; Participant communication; Other services Service code 12 | — | $4K |
| CIGNA | Non-monetary compensation; Contract Administrator; Float revenue; Claims processing; Named fiduciary; Direct payment from the plan; Participant communication; Other services Service code 12 | — | $0 |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 177 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 177 | $2.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 177 | $2.5M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 181 | $59K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 181 | $97K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 181 | $17K |
| Other(3 contracts, 3 carriers) | AFLAC | 181 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.