| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEE ATTACHED3 Filed as: SEE ATTACHED LIST OF AGENTS | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $10K | $144 | $10K | 16.07% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP, INC. | 3060 PEACHTREE RD NW ATLANTA, GA 30305 | 1.800MD, LLC | $3K | — | $3K | 31.28% |
| JOAN TAYLOR3 Filed as: JOAN E TAYLOR | 1841 NEEDMORE ROAD WHITESBURG, TN 37891 | CONTINENTAL AMERICAN INSURANCE COMPANY | $320 | — | $320 | 4.07% |
| JAMES C FARMER JR3 Filed as: JAMES C. FARMER JUNIOR | 641 OLD HICKORY BOULEVARD, UNIT 60 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $193 | — | $193 | 2.45% |
| JACKSON D RHODES3 Filed as: JACKSON RHODES | 2332 VOLUNTEER PKWY BRISTOL, TN 37620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $126 | — | $126 | 1.60% |
| EMMETT HAWKINS3 Filed as: EMMETT M HAWKINS | P.O. BOX 322 ABINGDON, VA 24212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | — | $67 | 0.85% |
| CHARLES HOUGH3 Filed as: CHARLES C. HOUGH | 575 SAND RIDGE CIRCLE JONESBOROUGH, TN 37659 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.62% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.58% |
| BRIAN BROYLES3 Filed as: BRIAN B. BROYLES | 1551 EAST JACKSON BOULEVARD JONESBOROUGH, TN 37659 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.11% |
| JOSEPH L LEDOUX3 | 674 WATSON BRANCH DRIVE FRANKLIN, TN 37064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.08% |
| JAY S OLEARY3 Filed as: JAY S O'LEARY | 301 MALLORY STATION RD SUITE 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.08% |
| VBTN, INC3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.05% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | 1.800MD, LLC | 199 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 218 | $183K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 218 | $183K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 218 | $183K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 218 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.