| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRED MOORE3 | 605 CHESTNUT STREET SUITE 500 CHATTANOOGA, TN 37450 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $34K | — | $34K | 3.73% |
| HEATHER GARDERE3 | 7951 CARUTH COURT DALLAS, TX 75225 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $3K | — | $3K | 0.28% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 744831 ATLANTA, GA 30374 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $4K | $20K | 13.83% |
| GCG FINANCIAL LLC3 Filed as: RCP ALERA GROUP LLC | 8182 MARYLAND AVENUE CLAYTON, MO 63105 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.37% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.63% |
| CHRISTOPHER CLUNAN3 Filed as: CHRISTOPHER M CLUNAN | 2779 JUTES DRIVE THOMPSONS STATION, TN 37179 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 8.52% |
| JORDAN S SMITH3 Filed as: JORDAN SHIELDS SMITH | 6669 ARNO ALLISONA ROAD COLLEGE GROVE, TN 37046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 6.55% |
| LAMONT D JACKSON3 | 307 SOUTHGATE COURT SUITE 110 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $655 | — | $655 | 2.22% |
| ALAN W FOSTER3 | 716 FRENCH RIVER ROAD NOLENSVILLE, TN 37135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $242 | — | $242 | 0.82% |
| JON R OVERACRE3 | 10502 WEST 133RD TERRACE APARTMENT 107 OVERLAND PARK, KS 66213 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | — | $59 | 0.20% |
| KELSEY DAVID EVERT3 | 750 ROCK SPRINGS ROAD WATERTOWN, TN 37184 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | — | $47 | 0.16% |
| DANIEL BREWER3 Filed as: DANIEL S BREWER | 106 CASTLEVIEW DRIVE HENDERSONVILLE, TN 37075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.14% |
| HOLLY L MOSS3 | 1706 CHAMPIONSHIP BOULEVARD FRANKLIN, TN 37064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.14% |
| DAVID M CRUMLEY3 Filed as: DAVID M CLUMLEY | 132 SEDONA WOODS TRAIL NOLENSVILLE, TN 37135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.14% |
| JAMES C FARMER JR3 | 261 CRIMSON SKY COURT DRIPPING SPRINGS, TX 78620 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.09% |
| JULIE L TEMPLETON3 | 709 HELMSDALE PLACE SOUTH BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.07% |
| WAYNE G MCMEEN3 | 7902 COVE RIDGE DRIVE HIXSON, TN 37343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.06% |
| MICHAEL D MENNE3 | 1234 CALIFORNIA DRIVE MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.02% |
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 | 99 | 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) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 93 | $906K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 117 | $144K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 117 | $144K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 117 | $144K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 117 | $144K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 117 | $144K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 117 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.