| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN MILAM3 | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $66K | $0 | $66K | 4.10% |
| KEVIN MCDANIEL3 | 3 CITYPLACE DRIVE, SUITE 900 SAINT LOUIS, MO 63141 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $24K | $0 | $24K | 1.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 26 CENTURY BOULEVARD NASHVILLE, TN 37214 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.02% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.98% |
| THE AGENCY OF NORTH GEORGIA, INC.3 | 5300 OAKBROOK PARKWAY SUITE 350 NORCROSS, GA 30093 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $0 | $13K | 15.00% |
| CORPORATE SYNERGIES GROUP LLC3 | 1540 CORNERSTONE BOULEVARD SUITE 200 DAYTONA BEACH, FL 32118 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.00% |
| JOSHUA K HOPPE3 Filed as: JOSHUA HOPPE | 85076 MAJESTIC WALK CIRCLE FERNANDINA BEACH, FL 32034 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.50% |
| ANTHONY RAMBO3 | 1265 HIDDEN CREEK POINT CUMMING, GA 30040 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.50% |
| THE AGENCY OF NORTH GEORGIA, INC.3 | 3450 EAST GATE DRIVE CUMMING, GA 30041 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 13.52% |
| THE AGENCY OF NORTH GEORGIA, INC.3 | 3450 EAST GATE DRIVE CUMMING, GA 30041 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 13.52% |
| THE AGENCY OF NORTH GEORGIA, INC.3 | 5300 OAKBROOK PARKWAY SUITE 350 NORCROSS, GA 30093 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| NATIONAL GENERAL3 | 5630 UNIVERSITY PARKWAY WINSTON SALEM, NC 27015 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.00% |
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 | 1,652 | 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) | 1,652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 353 | $1.6M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 353 | $1.6M |
| Vision(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 353 | $1.6M |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,652 | $266K |
| Short-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 593 | $229K |
| Long-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 140 | $69K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 353 | $1.6M |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,652 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,652 | — |
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."
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.