| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHEILA GURIEN | 220 N MAIN DYSERBURG, TN 38024 | TOSH FARMS WELFARE BENEFIT PLAN | $10K | — | $10K | 2.71% |
| WHITE & ASSOCIATES3 Filed as: WHITE AND ASSOCIATES INSURANCE AGEN | 220 N MAIN DYERSBURG, TN 38024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| THE CASON GROUP INC3 Filed as: CASON GROUP | 1612 MARION ST FL 4 COLUMBIA, SC 29201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.78% |
| WHITE & ASSOCIATES5 Filed as: WHITE AND ASSOCIATES INSURANCE AGEN | 220 N MAIN DYERSBURG, TN 38024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $900 | $900 | 1.32% |
| SHEILA GURIEN3 Filed as: SHEILA GUREN | 220 N MAIN DYERSBURG, TN 38024 | BLUECROSS BLUESHIELD OF TENNESSEE INC. | $3K | — | $3K | 9.98% |
| WHITE & ASSOCIATES3 Filed as: WHITE AND ASSOCIATES INSURANCE AGEN | 220 N MAIN DYERSBURG, TN 38024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 18.00% |
| WHITE & ASSOCIATES5 Filed as: WHITE AND ASSOCIATES INSURANCE AGEN | 220 N MAIN DYERSBURG, TN 38024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 8.00% |
| THE CASON GROUP INC3 Filed as: CASON GROUP INC (THE) | 1612 MARION FL 4 COLUMBIA, SC 29201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $349 | $349 | 1.61% |
| WHITE & ASSOCIATES3 Filed as: WHITE AND ASSOCIATES INSURANCE AGEN | 220 N MAIN DYERSBURG, TN 38024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| WHITE & ASSOCIATES5 Filed as: WHITE AND ASSOCIATES INSURANCE AGEN | 220 N MAIN DYERSBURG, TN 38024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 8.00% |
| THE CASON GROUP INC3 Filed as: CASON GROUP INC (THE) | 1612 MARION FL 4 COLUMBIA, SC 38024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $317 | $317 | 1.61% |
| WHITE & ASSOCIATES3 Filed as: WHITE AND ASSOCIATES INSURANCE AGEN | 220 N MAIN DYERSBURG, TN 38024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| THE CASON GROUP INC3 Filed as: CASON GROUP INC (THE) | 1612 MARION FL 4 COLUMBIA, SC 38024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $238 | $238 | 1.69% |
| WHITE & ASSOCIATES3 Filed as: WHITE AND ASSOCIATES INSURANCE AGEN | 220 N MAIN DYERSBURG, TN 38024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 147.11% |
| WHITE & ASSOCIATES5 Filed as: WHITE AND ASSOCIATES INSURANCE AGEN | 220 N MAIN DYERSBURG, TN 38024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 57.60% |
| THE CASON GROUP INC3 Filed as: CASON GROUP INC. (THE) | 1612 MARION ST FL 4 COLUMBIA, SC 29201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $707 | $707 | 16.47% |
| SHEILA GURIEN3 | 220 N MAIN DYERSBURG, TN 38024 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $15K | — | $15K | — |
| SHEILA GURIEN3 | 220 N MAIN DYERSBURG, TN 38024 | BLUECROSS BLUESHIELD OF TENNESSEE INC. | $47K | — | $47K | — |
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 | 325 | 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) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE INC. | 509 | $0 |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 527 | $0 |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE INC. | 478 | $33K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 430 | $82K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 87 | $4K |
| Stop-loss / reinsurancereinsurance | TOSH FARMS WELFARE BENEFIT PLAN | 509 | $369K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 87 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 527 | — |
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.