| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER, A MARSH & MCLENNAN | 605 CHESTNUT STREET SUITE 500 CHATTANOOGA, TN 37450 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $42K | $42K | 4.90% |
| MARSH & MCLENNAN AGENCY LLC3 | 605 CHESTNUT STREET #500 CHATTANOOGA, TN 37450 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $500 | $500 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC DBA J S | PO BOX 744831 ATLANTA, GA 30374 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | $4K | $23K | 17.92% |
| CHRISTOPHER CLUNAN3 | 2770 JUTES DRIVE THOMPSONS STATION, TN 37179 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 10.06% |
| JORDAN S SMITH3 | 6669 ARNO ALLISONA ROAD COLLEGE GROVE, TN 37046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 7.76% |
| LAMONT D JACKSON3 | 7508 STECOAH STREET BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $566 | — | $566 | 2.06% |
| ALAN W FOSTER3 | 716 FRENCH RIVER ROAD NOLENSVILLE, TN 37135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90 | — | $90 | 0.33% |
| JON R OVERACRE3 | 916 SOUTH WICKSHIRE WAY BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | — | $80 | 0.29% |
| KELSEY DAVID EVERT3 Filed as: KELSEY D EVERT | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | — | $78 | 0.28% |
| DANIEL BREWER3 | 106 CASTLEVIEW DRIVE HENDERSONVILLE, TN 37075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.17% |
| HOLLY L MOSS3 | 1706 CHAMPIONSHIP BOULEVARD FRANKLIN, TN 37064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.17% |
| DAVID M CRUMLEY3 | 101 GILLESPIE DRIVE APARTMENT 8204 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.17% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.12% |
| JAMES C FARMER JR3 | 641 OLD HICKORY BOULEVARD UNIT 60 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | — | $32 | 0.12% |
| ROBERT VINCENT3 Filed as: ROBERT M PASSONS | 2122 B SHARONDALE DRIVE NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.06% |
| JULIE L TEMPLETON3 | 709 HELMSDALE PLACE SOUTH BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.05% |
| MICHAEL D MENNE3 | 1234 CALIFORNIA DRIVE MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| VBTN, INC3 Filed as: VBTN, INC. | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| DAVID M CRUMLEY3 | 101 GILLESPIE DRIVE APARTMENT 8204 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| JAY S OLEARY3 Filed as: JAY S O'LEARY | 301 MALLORY STATION ROAD SUITE 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOSEPH L LEDOUX3 | 674 WATSON BRANCH DRIVE FRANKLIN, TN 37064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WAYNE G MCMEEN3 | 7902 COVE RIDGE DRIVE HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$14 | — | -$14 | -0.05% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 158 | $865K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 150 | $129K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 150 | $129K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 150 | $129K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 150 | $129K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 150 | $129K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 150 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.