| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RANDALL V OWEN3 | 1003 S BRITTAIN ST SHELBYVILLE, TN 37160 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 6.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE, STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 5.86% |
| JAIME HUTTON3 Filed as: JAIME M HUTTON | 1893 HIGHWAY 25 GALLATIN, TN 37066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 3.64% |
| JAMES C FARMER JR3 Filed as: JAMES C FARMER JR, | 261 CRIMSON SKY CT DRIPPING SPRINGS, TX 78620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 3.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KARA ELISE GALLAGHER AMONETT | 1072 CARLISLE PL MOUNT JULIET, TN 37122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 2.90% |
| KELCIE HANNAH3 | 1026 DOUBLE BRIDGE RD LEWISBURG, TN 37091 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 2.90% |
| DANIEL J RIVERA3 | 803 DIVISION ST, APT 707 NASHVILLE, TN 37203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 1.81% |
| THOMAS M WILLIAMSON3 | 129 WATERS HILL CIR LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.51% |
| KELSEY DAVID EVERT3 Filed as: KELSEY D EVERT | 630 ROCK SPRINGS RD WATERTOWN, TN 37184 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.99% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY ST BOWLING GREEN, KY 42103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.71% |
| RUTH HOBBS FARMER3 Filed as: RUTH H FARMER | 261 CRIMSON SKY CT DRIPPING SPRINGS, TX 78620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $545 | $0 | $545 | 0.27% |
| TIMOTHY CHAPPELL3 | 522 ROCK SPRINGS RD WATERTOWN, TN 37184 | CONTINENTAL AMERICAN INSURANCE COMPANY | $121 | $0 | $121 | 0.06% |
| WILLIAM T GANT3 | 117 HILLSONG LANE BRIGHTON, TN 38011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $121 | $0 | $121 | 0.06% |
| DAVID B RAY3 | 5122 STONEWOOD DR SMYRNA, TN 37167 | CONTINENTAL AMERICAN INSURANCE COMPANY | $118 | $0 | $118 | 0.06% |
| LAMONT D JACKSON3 | 4720 CHUTNEY DR ANTIOCH, TN 37013 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | $0 | $77 | 0.04% |
| ALAN W FOSTER3 | 716 FRENCH RIVER RD NOLENSVILLE, TN 37135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | $0 | $73 | 0.04% |
| JORDAN S SMITH3 | 6669 ARNO ALLISONA RD COLLEGE GROVE, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | $0 | $56 | 0.03% |
| DOC N REESE3 | 830 CASTLE HEIGHTS AVE LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | $0 | $55 | 0.03% |
| PETER JOHN REGINELLI3 Filed as: PETER JOHN REGINELLI JR | 131 STREAM VALLEY BLVD FRANKLIN, TN 37064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.01% |
| KRISTIN L LATTREL3 | 908 N 14TH ST NASHVILLE, TN 37206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO- MMA | 161 WASHINGTON STREET, STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 3.77% |
| RANDALL V OWEN3 | 1003 S BRITTAIN ST SHELBYVILLE, TN 37160 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 3.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO- MMA | 161 WASHINGTON STREET, STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 2.72% |
| RANDALL V OWEN3 | 1003 S BRITTAIN ST SHELBYVILLE, TN 37160 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $856 | $0 | $856 | 2.28% |
| HOUCHENS INSURANCE3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $956 | $0 | $956 | 2.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO- MMA | 161 WASHINGTON STREET, STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 5.90% |
| RANDALL V OWEN3 | 1003 S BRITTAIN ST SHELBYVILLE, TN 37160 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 5.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO- MMA | 161 WASHINGTON STREET, STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $887 | $0 | $887 | 3.26% |
| RANDALL V OWEN3 | 1003 S BRITTAIN ST SHELBYVILLE, TN 37160 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $746 | $0 | $746 | 2.74% |
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 | 488 | 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) | 488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 506 | $37K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 488 | $152K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 436 | $203K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 78 | $27K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 488 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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.