| 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 AND AFFILIATES | — | $23K | $23K | 3.53% |
| WANDA STEPP3 Filed as: WANDA F. STEPP | 4720 FOWLER DRIVE MORRISTOWN, TN 37814 | AFLAC | $510 | — | $510 | 3.64% |
| JOAN TAYLOR3 Filed as: JOAN E. TAYLOR | 1841 NEEDMORE ROAD WHITESBURG, TN 37891 | AFLAC | $403 | — | $403 | 2.87% |
| STRATE INSURANCE GROUP, INC.3 | 1750 WEST ANDREW JOHNSON HIGHWAY MORRISTOWN, TN 37814 | AFLAC | $402 | — | $402 | 2.87% |
| MJ INSURANCE3 Filed as: CHARLES F. GREER AND VARIOUS AGENTS | 2888 ALOMA LAKE RUN, SUITE 2300 OVIEDO, FL 32765 | AFLAC | $324 | — | $324 | 2.31% |
| CLIFF STEPP3 | 4720 FOWLER DRIVE MORRISTOWN, TN 37814 | AFLAC | $198 | — | $198 | 1.41% |
| EMMETT HAWKINS3 Filed as: EMMETT M. HAWKINS | PO BOX 322 ABINGDON, VA 24212 | AFLAC | $100 | — | $100 | 0.71% |
| JACKSON D RHODES3 Filed as: JACKSON D. RHODES | 525 WEST OAKLAND AVENUE, SUITE 7 JOHNSON CITY, TN 37604 | AFLAC | $98 | — | $98 | 0.70% |
| JOAN TAYLOR3 Filed as: JOAN E. TAYLOR | 400 WEST MAIN STREET, SUITE 303A MORRISTOWN, TN 37814 | CONTINENTAL AMERICAN INSURANCE COMPANY | $147 | — | $147 | 8.43% |
| JAMES C FARMER JR3 Filed as: JAMES C. FARMER JR. | 641 OLD HICKORY BOULEVARD, UNIT 60 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 2.64% |
| JACKSON D RHODES3 Filed as: JACKSON D. RHODES | TWO RED BUSH COURT, SUITE 3 JOHNSON CITY, TN 37601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 2.07% |
| EMMETT HAWKINS3 Filed as: EMMETT M. HAWKINS | PO BOX 322 ABINGDON, VA 24212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 1.32% |
| CHARLES HOUGH3 Filed as: CHARLES C. HOUGH | 575 SAND RIDGE CIRCLE JONESBOROUGH, TN 37659 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.69% |
| BRENT L GOODE3 Filed as: BRENT L. GOODE | 2000 GLEN ECHO ROAD, SUTIE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.63% |
| MJ INSURANCE3 Filed as: BRIAN B. BROYLES AND VARIOUS AGENTS | 1551 EAST JACKSON BOULEVARD JONESBOROUGH, TN 37659 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.40% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 202 | $659K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 202 | $659K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 202 | $659K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 205 | $41K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 205 | $41K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 205 | $41K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 202 | $659K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 205 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.