| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RANDY OWEN AGENCY3 | 101 SOUTHSIDE SQUARE SHELBYVILLE, TN 37160 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $38K | — | $38K | 8.84% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP INC. | 1750 SCOTTSVILLE ROAD SUITE 4 BOWLING GREEN, KY 42101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $38K | — | $38K | 8.84% |
| RANDALL V OWEN3 | 1003 S BRITTAIN STREET SHELBYVILLE, TN 37160 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | — | $21K | 5.08% |
| JAMES C FARMER JR3 Filed as: JAMES C FARMER | 641 OLD HICKORY BLVD UNIT 60 BRENTWOOD, TN 370273952 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | — | $17K | 4.11% |
| JAIME HUTTON3 | 1020 MONTROSE DRIVE GALLATIN, TN 37066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 2.46% |
| RUTH HOBBS FARMER3 Filed as: RUTH H FARMER | 641 OLD HICKORY BLVD UNIT 60 BRENTWOOD, TN 370273952 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 2.36% |
| JAMES C FARMER JR3 Filed as: JAMES C FARMER JR. | 641 OLD HICKORY BLVD UNIT 60 BRENTWOOD, TN 370273952 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 1.81% |
| KELSEY DAVID EVERT3 Filed as: KELSEY D EVERT | 2055 N. MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 1.44% |
| H BRIAN GIBSON3 | 8075 SAWYER BROWN ROAD NASHVILLE, TN 37221 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.83% |
| WILLIAM T GANT3 | 117 HILLSONG LANE BRIGHTON, TN 38011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.45% |
| THOMAS WILLIAMSON3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.43% |
| LAMONT D JACKSON3 | 7508 STECOAH STREET BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.25% |
| JORDON S SMITH3 | 6669 ARNO ALLISONA ROAD COLLEGE GROVE, TN 37046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $646 | — | $646 | 0.16% |
| DAVID B RAY3 | 5122 STONEWOOD DRIVE SMYRNA, TN 37167 | CONTINENTAL AMERICAN INSURANCE COMPANY | $275 | — | $275 | 0.07% |
| TIMOTHY S CHAPPELL3 | 522 ROCK SPRINGS ROAD WATERTOWN, TN 37135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $272 | — | $272 | 0.07% |
| ALAN W FOSTER3 | 716 FRENCH RIVER ROAD NOLENSVILLE, TN 37135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $191 | — | $191 | 0.05% |
| DOC N REESE3 Filed as: DOC REESE | 830 CASTLE HEIGHTS AVENUE LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $145 | — | $145 | 0.04% |
| ETHAN GREER3 | 1722 ORCHARD DRIVE LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $126 | — | $126 | 0.03% |
| KRISTIN L LATTREL3 | 908 N. 14TH STREET NASHVILLE, TN 37206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $121 | — | $121 | 0.03% |
| RANDALL V OWEN3 | 1003 S BRITTAIN STREET SHELBYVILLE, TN 37160 | LIVE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 7.00% |
| RANDALL V OWEN3 | 1003 S BRITTAIN STREET SHELBYVILLE, TN 37160 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.00% |
| RANDALL V OWEN3 | 1003 S BRITTAIN STREET SHELBYVILLE, TN 37160 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 11.00% |
| RANDALL V OWEN3 | 1003 S BRITTAIN STREET SHELBYVILLE, TN 37160 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $920 | — | $920 | 6.00% |
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 | 459 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 303 | $34K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 303 | $6K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 459 | $27K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 303 | $428K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 459 | $537K |
| 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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.