| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY WHITE3 Filed as: LARRY S. WHITE | 220 N. MAIN DYERSBURG, TN 38024 | BLUECROSS BLUESHIELD | $31K | — | $31K | 11.72% |
| SHELIA GURIEN3 | 220 N. MAIN DYERSBURG, TN 38024 | BLUECROSS BLUESHIELD | $6K | — | $6K | 2.16% |
| WHITE & ASSOCIATES3 Filed as: WHITE AND ASSOCIATES | 220 N. MAIN AVE DYERSBURG, TN 38024 | UNITED OF OMAHA LIFE INSURANCE | $8K | — | $8K | 15.00% |
| WHITE & ASSOCIATES3 Filed as: WHITE AND ASSOCIATES | 220 N. MAIN AVE DYERSBURG, TN 38024 | UNITED OF OMAHA LIFE INSURANCE | $5K | $0 | $5K | 15.00% |
| LARRY WHITE3 Filed as: LARRY S. WHITE | 220 N. MAIN DYERSBURG, TN 38024 | BLUECROSS BLUESHIELD OF TENNESSEE | $2K | $0 | $2K | 8.35% |
| SHELIA GURIEN3 | 220 N. MAIN DYERSBURG, TN 38024 | BLUECROSS BLUESHIELD OF TENNESSEE | $463 | $0 | $463 | 1.58% |
| WHITE & ASSOCIATES3 Filed as: WHITE AND ASSOCIATES | 220 N. MAIN AVE DYERSBURG, TN 38024 | UNITED OF OMAHA LIFE INSURANCE | $3K | $0 | $3K | 18.00% |
| WHITE & ASSOCIATES3 Filed as: WHITE AND ASSOCIATES | 220 N. MAIN AVE DYERSBURG, TN 38024 | UNITED OF OMAHA LIFE INSURANCE | $3K | — | $3K | 20.00% |
| LARRY WHITE3 Filed as: LARRY S. WHITE | 220 N. MAIN DYERSBURG, TN 38231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| LARRY WHITE0 Filed as: LARRY S. WHITE | 220 N. MAIN DYERSBURG, TN 38024 | BLUECROSS BLUESHIELD OF TENNESSEE | $31K | $0 | $31K | — |
| SHELIA GURIEN0 | 220 N. MAIN DYERSBURG, TN 38024 | BLUECROSS BLUESHIELD OF TENNESSEE | $6K | $0 | $6K | — |
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 | 278 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD | 459 | $268K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE | 256 | $0 |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE | 431 | $29K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE | 363 | $62K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE | 106 | $34K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE | 93 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 459 | — |
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.