| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BARNES INSURANCE AGENCY3 Filed as: BARNES INS AGENCY INC | PO BOX 609 PIGEON FORGE, TN 378680609 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $0 | $17K | 1.95% |
| BARNES INSURANCE AGENCY3 Filed as: BARNES INS AGCY INC | PO BOX 609 PIGEON FORGE, TN 378680609 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $5K | $5K | 2.35% |
| BARNES INSURANCE AGENCY3 Filed as: BARNES INSURANCE AGENCY INC | 190 COMMUNITY CENTER DRIVE PIGEON FORGE, TN 37863 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 9.73% |
| BARNES INSURANCE AGENCY3 | 190 COMMUNITY CENTER DRIVE PIGEON FORGE, TN 37923 | EYEMED VISION CARE | $2K | $0 | $2K | 5.05% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES & HORAN SECURITIES | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | EYEMED VISION CARE | $733 | $0 | $733 | 2.42% |
| BARNES INSURANCE AGENCY3 | 190 COMMUNITY CENTER DRIVE PIGEON FORGE, TN 37923 | EYEMED VISION CARE | $211 | $0 | $211 | 5.66% |
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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 179 | $1.1M |
| Vision(2 contracts) | EYEMED VISION CARE | 281 | $34K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $142K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $142K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $142K |
| Prescription drug(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 179 | $1.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.