| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY WHITE3 Filed as: LARRY S. WHITE | 220 NORTH MAIN SUITE G DYERSBURG, TN 38024 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $10K | — | $10K | 3.69% |
| KEVIN MATTICE3 | 8 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $10K | — | $10K | 3.69% |
| KEVIN MATTICE3 | 8 CADILLAC DRVE SUITE 200 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $5K | — | $5K | 5.07% |
| LARRY WHITE3 Filed as: LARRY S. WHITE | 220 NORTH MAIN SUITE G DYERSBURG, TN 38024 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $5K | — | $5K | 4.86% |
| WHITE & ASSOCIATES3 | 220 NORTH MAIN SUITE G DYERSBURG, TN 38024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 21ST FL 2 PIERCE PL ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 WEST GOLD ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $119 | $119 | 0.47% |
| WHITE & ASSOCIATES3 | 220 NORTH MAIN SUITE G DYERSBURG, TN 38024 | UNITED OMAHA LIFE INSURANCE | $3K | — | $3K | 15.00% |
| WHITE & ASSOCIATES3 | 220 NORTH MAIN SUITE G DYERSBURG, TN 38024 | UNITED OF OMAHA LIFE INSURANCE | $2K | — | $2K | 15.00% |
| WHITE & ASSOCIATES3 | 220 NORTH MAIN SUITE G DYERSBURG, TN 38024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 18.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 21ST FL 2 PIERCE PL ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 11.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 WEST GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $98 | $98 | 0.94% |
| WHITE & ASSOCIATES3 | 220 NORTH MAIN SUITE G DYERSBURG, TN 38024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $658 | — | $658 | 8.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 21ST FL 2 PIERCE PL ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $375 | — | $375 | 4.87% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $207 | — | $207 | 2.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $47 | $47 | 0.61% |
| WHITE & ASSOCIATES3 | 220 NORTH MAIN SUITE G DYERSBURG, TN 38024 | UNITED OF OMAHA LIFE INSURANCE | $1K | — | $1K | 18.00% |
| WHITE & ASSOCIATES3 | 220 NORTH MAIN SUITE G DYERSBURG, TN 38024 | UNITED OMAHA LIFE INSURANCE | $999 | — | $999 | 20.01% |
| WHITE & ASSOCIATES3 | 220 NORTH MAIN SUITE G DYERSBURG, TN 38024 | UNITED OF OMAHA LIFE INSURANCE | $423 | — | $423 | 9.99% |
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 | 283 | 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) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 461 | $271K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 452 | $95K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 385 | $37K |
| Short-term disability(2 contracts) | UNITED OMAHA LIFE INSURANCE | 167 | $24K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE | 134 | $23K |
| Other | UNITED OMAHA LIFE INSURANCE | 73 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.