| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42101 | GREENWICH INSURANCE COMPANY | $24K | — | $24K | 5.55% |
| RANDY OWEN AGENCY3 | 101 SOUTHSIDE SQUARE SHELBYVILLE, TN 37160 | GREENWICH INSURANCE COMPANY | $24K | — | $24K | 5.55% |
| JAMES C FARMER JR3 Filed as: JAMES C FARMER JR. | 641 OLD HICKORY BLVD BRENTWOOD, TN 37184 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | — | $18K | 4.46% |
| RANDALL V OWEN3 | 1003 S BRITTAIN STREET SHELBYVILLE, TN 37160 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 3.46% |
| JAIME HUTTON3 | 1020 MONTROSE DRIVE GALLATIN, TN 37066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 1.70% |
| H BRIAN GIBSON3 | 8075 SAWYER BROWN RD NASHVILLE, TN 37221 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 1.28% |
| KELSEY DAVID EVERT3 Filed as: KELSEY D EVERT | 2055 N MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 1.27% |
| RUTH HOBBS FARMER3 Filed as: RUTH H FARMER | 641 OLD HICKORY BLVD UNIT 60 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 1.03% |
| WILLIAM T GANT3 | 117 HILLSONG LANE BRIGHTON, TN 38011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $783 | — | $783 | 0.19% |
| TIMOTHY S CHAPPELL3 | 522 ROCK SPRINGS ROAD WATERTOWN, TN 37184 | CONTINENTAL AMERICAN INSURANCE COMPANY | $239 | — | $239 | 0.06% |
| DAVID B RAY3 | 5122 STONEWOOD DRIVE SMYRNA, TN 37167 | CONTINENTAL AMERICAN INSURANCE COMPANY | $207 | — | $207 | 0.05% |
| THOMAS WILLIAMSON3 | 2055 N MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $179 | — | $179 | 0.04% |
| ALAN W FOSTER3 | 716 FRENCH RIVER ROAD NOLENSVILLE, TN 37135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $154 | — | $154 | 0.04% |
| DOC N REESE3 Filed as: DOC REESE | 830 CASTLE HEIGHTS AVENUE LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $125 | — | $125 | 0.03% |
| ETHAN GREER3 | 1722 ORCHARD DRIVE LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | — | $108 | 0.03% |
| KRISTIN L LATTREL3 | 908 N 14TH STREET NASHVILLE, TN 37206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | — | $52 | 0.01% |
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 | 615 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 343 | $5K |
| Life insurance | CIGNA HEALTH AND LIFE INSUARANCE COMPANY | 310 | $50K |
| Long-term disability | CIGNA HEALTH AND LIFE INSUARANCE COMPANY | 310 | $50K |
| Stop-loss / reinsurancereinsurance | GREENWICH INSURANCE COMPANY | 306 | $427K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 807 | $455K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 807 | — |
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.