| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RANDALL V OWEN3 | 1003 S BRITTAIN ST SHELBYVILLE, TN 37160 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36K | $0 | $36K | 5.66% |
| JAMES C FARMER JR3 Filed as: JAMES C FARMER | 261 CRIMSON SKY CT DRIPPING SPRINGS, TX 78620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30K | $0 | $30K | 4.84% |
| KELCIE HANNAH3 | 158 WEBSTER RD CORNERSVILLE, TN 37047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 1.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KARA ELISE GALLAGHER AMONETT | 1072 CARLISLE PL MOUNT JULIET, TN 37122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 1.95% |
| JAMIE M HUTTON3 | 1020 MONTROSE DR GALLATIN, TN 37066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 1.48% |
| THOMAS WILLIAMSON3 | 2055 N MOUNT JULIET RD, STE 201 MT JULIET, TN 37122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 1.29% |
| DANIEL J RIVERA3 | 803 DIVISION ST, APT 707 NASHVILLE, TN 37203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 1.05% |
| JAIME HUTTON3 | 1020 MONTROSE DR GALLATIN, TN 37066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 0.92% |
| KELSEY DAVID EVERT3 Filed as: KELSEY D EVERT | 2055 N MOUNT JULIET RD, STE 201 MOUNT JULIET, TN 37122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.54% |
| JAMES C FARMER JR3 | 641 OLD HICKORY BLVD, UNIT 60 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.34% |
| THOMAS M WILLIAMSON3 | 129 WATERS HILL CIRCLE LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.30% |
| JAIME HUTTON3 | 1020 MONTROSE DR GALLATIN, TN 37066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.23% |
| RUTH HOBBS FARMER3 Filed as: RUTH H FARMER | 261 CRIMSON SKY CT DRIPPING SPRINGS, TX 78620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.20% |
| JORDAN S SMITH3 | 6669 ARNO ALLISONA RD COLLEGE GROVE, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $337 | $0 | $337 | 0.05% |
| PETER JOHN REGINELLI3 Filed as: PETER JOHN REGINELLI JR | 131 STREAM VALLEY BLVD FRANKLIN, TN 37064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $331 | $0 | $331 | 0.05% |
| TIMOTHY S CHAPPELL3 | 522 ROCK SPRINGS RD WATERTOWN, TN 37184 | CONTINENTAL AMERICAN INSURANCE COMPANY | $263 | $0 | $263 | 0.04% |
| WILLIAM T GANT3 | 117 HILLSONG LANE BRIGHTON, TN 38011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $248 | $0 | $248 | 0.04% |
| LAMONT D JACKSON3 | 7508 STECOACH ST BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $214 | $0 | $214 | 0.03% |
| DAVID B RAY3 Filed as: DAVID BARRY RAY | 5122 STONEWOOD DR SMYRNA, TN 37167 | CONTINENTAL AMERICAN INSURANCE COMPANY | $203 | $0 | $203 | 0.03% |
| ALAN W FOSTER3 | 716 FRENCH RIVER RD NOLENSVILLE, TN 37135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $113 | $0 | $113 | 0.02% |
| DOC N REESE3 | 830 CASTLE HEIGHTS AVE LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | $0 | $83 | 0.01% |
| KELSEY DAVID EVERT3 | 750 ROCK SPRINGS RD WATERTOWN, TN 37184 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | $0 | $79 | 0.01% |
| H BRIAN GIBSON3 Filed as: BRIAN GIBSON | 8075 SAWYER BROWN RD NASHVILLE, TN 37221 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 0.00% |
| RANDALL V OWEN3 | 1003 S BRITTAIN ST SHELBYVILLE, TN 37160 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 7.00% |
| RANDALL V OWEN3 | 1003 S BRITTAIN ST SHELBYVILLE, TN 37160 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 11.00% |
| RANDALL V OWEN3 | 1003 S BRITTAIN ST SHELBYVILLE, TN 37160 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 5.00% |
| HOUCHENS INSURANCE3 | 1200 FAIRWAY STREET BOWLING GREEN, KY 42103 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.96% |
| RANDALL V OWEN3 | 1003 S BRITTAIN ST SHELBYVILLE, TN 37160 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 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 | 365 | 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) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 366 | $42K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 554 | $184K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 793 | $628K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 94 | $32K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 793 | $672K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 793 | — |
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.