| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRICHTON BRANDON JACKSON & WAR3 Filed as: CHRICHTON BRANDON JACKSON AND WARD | 3011 ARMORY DR SUITE 250 NASHVILLE, TN 37204 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $26K | $29K | 1.83% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY ST BOWLING GREEN, KY 42103 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $27K | $27K | 1.71% |
| DAVID KEVIN BOWEN3 Filed as: DAVID K BOWEN | 1029 ELMSHADE LN NASHVILLE, TN 37211 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $23K | $23K | 1.46% |
| DONALD B BOWEN3 Filed as: DONALD BRYAN BOWEN | 6513 BANBURY XING BRENTWOOD, TN 37027 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.26% |
| MICHAEL THOMAS WAMBLE3 | 811 CHAPARRAL DRIVE LEBANON, TN 37087 | AFLAC | $11K | $423 | $11K | 7.92% |
| KELSEY DAVID EVERT3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $3K | $121 | $3K | 2.46% |
| DAVID KEVIN BOWEN3 | 1029 ELMSHADE LANE NASHVILLE, TN 37211 | AFLAC | $3K | $121 | $3K | 2.07% |
| THOMAS M WILLIAMSON3 | 129 WATERS HILL CIRCLE LEBANON, TN 37087 | AFLAC | $2K | $37 | $2K | 1.36% |
| THOMAS M WILLIAMSON3 | 2055 N MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $1K | $48 | $1K | 1.01% |
| DOC N REESE3 | 830 CASTLE HEIGHTS AVENUE LEBANON, TN 37087 | AFLAC | $1K | $36 | $1K | 0.77% |
| DONALD B BOWEN3 | 6513 BANBURY CROSSING BRENTWOOD, TN 37027 | AFLAC | $857 | $60 | $917 | 0.66% |
| PETER J EMMERT3 | 5904 OAKFORGE LANE INDIANAPOLIS, IN 46254 | AFLAC | $483 | — | $483 | 0.35% |
| EVERETT C BICKEL3 | 6310 SOUTHWEST 103RD LANE OCALA, FL 34476 | AFLAC | $356 | — | $356 | 0.26% |
| DAVID M CRUMLEY3 | 5111 MARYLAND WAY SUITE 210 BRENTWOOD, TN 37027 | AFLAC | $180 | — | $180 | 0.13% |
| MARIAN E HENDERSON3 | 102 SAVANNAH WAY HENDERSONVILLE, TN 37075 | AFLAC | $161 | — | $161 | 0.12% |
| ROBERT W BURGETT3 | 1701 WEST 18TH STREET SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $122 | $13 | $135 | 0.10% |
| PETER J EMMERT3 | 1701 WEST 18TH STREET SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $111 | $13 | $124 | 0.09% |
| DAVID B BAY3 | 5122 STONEWOOD DRIVE SMYRNA, TN 37137 | AFLAC | $122 | — | $122 | 0.09% |
| ERIC DEANE3 | 7732 BOLERO DRIVE CAMBY, IN 46113 | AFLAC | $94 | — | $94 | 0.07% |
| JOSHUA LEE JONES3 | 1307 CAMPANIA NEW BRAUNFELLS, TX 78132 | AFLAC | $93 | — | $93 | 0.07% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DRIVE SUITE 108 MURFREESBORO, TN 37129 | AFLAC | $78 | — | $78 | 0.06% |
| VBTN, INC3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $56 | — | $56 | 0.04% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $50 | — | $50 | 0.04% |
| ALAN W MARTIN3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $49 | — | $49 | 0.04% |
| STEVEN H STEINHAUER3 | PO BOX 817 HENDERSONVILLE, TN 37077 | AFLAC | $48 | — | $48 | 0.03% |
| KANDI H HECKLER3 | 5453 HASELL DRIVE ROCKVALE, TN 37153 | AFLAC | $42 | — | $42 | 0.03% |
| JOHN G WELLBORN3 | 29 MONTCLAIR AVENUE SANTA ROSA BEACH, FL 32459 | AFLAC | $39 | — | $39 | 0.03% |
| JAY S OLEARY3 | 1802 EAVES COURT NOLENSVILLE, TN 37135 | AFLAC | $38 | — | $38 | 0.03% |
| JAMES C FARMER JR3 | 641 OLD HICKORY BOULEVARD UNIT 60 BRENTWOOD, TN 37027 | AFLAC | $29 | — | $29 | 0.02% |
| MARLA J PARSONS3 Filed as: MARLA J PARSON | 18 IRONWOOD LANE BRENTWOOD, TN 37027 | AFLAC | $29 | — | $29 | 0.02% |
| LARA K GRANDE3 | 117 MORNING MIST LANE FRANKLIN, TN 37064 | AFLAC | $20 | — | $20 | 0.01% |
| JON J SCHAEFER3 | 4900 WINSTON DRIVE INDIANAPOLIS, IN 46226 | AFLAC | $20 | — | $20 | 0.01% |
| JASON MULL3 | 1220 CHICKEN ROAD LEBANON, TN 37090 | AFLAC | $16 | — | $16 | 0.01% |
| JON J SCHAEFER3 | 603 EAST WASHINGTON STREET SUITE 100 INDIANAPOLIS, IN 46204 | AFLAC | $16 | — | $16 | 0.01% |
| RETTENMUND INSURANCE LLC3 | SOUTH 7991 DENZER ROAD NORTH FREEDOM, WI 53951 | AFLAC | $16 | — | $16 | 0.01% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVENUE NASHVILLE, TN 37206 | AFLAC | $15 | — | $15 | 0.01% |
| JENNIFER P EARWOOD3 | 1357 TILTON DRIVE FRANKLIN, TN 37067 | AFLAC | $15 | — | $15 | 0.01% |
| STEPHEN A ANDERSON3 | 161 WYNBROOK TERRACE HENDERSONVILLE, TN 37075 | AFLAC | $14 | — | $14 | 0.01% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $13 | — | $13 | 0.01% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $13 | — | $13 | 0.01% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 103 CHEROKEE BOULEVARD SUITE 225 CHATTANOOGA, TN 37405 | AFLAC | $8 | — | $8 | 0.01% |
| CARLA T WITHERINGTON3 | 1405 HERRING DRIVE COVINGTON, TN 38019 | AFLAC | $5 | — | $5 | 0.00% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $4 | — | $4 | 0.00% |
| LARA K GRANDE3 | 1022 WESTHAVEN BOULEVARD FRANKLIN, TN 37064 | AFLAC | $3 | — | $3 | 0.00% |
| ROGER MURRAY JOHNSON3 | 1926 TURNING WHEEL LANE FRANKLIN, TN 37067 | AFLAC | $3 | — | $3 | 0.00% |
| WILLIAM M WARDLAW JR3 | 5300 OAKBROOK PARKWAY SUITE 300 NORCROSS, GA 30093 | AFLAC | $1 | — | $1 | 0.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD SUITE 4 BOWLING GREEN, KY 42104 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.71% |
| CHRICHTON BRANDON JACKSON & WAR3 Filed as: CHRICHTON BRANDON JACKSON & WARD IN | 3011 ARMORY DR SUITE 250 NASHVILLE, TN 37204 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.58% |
| DAVID KEVIN BOWEN3 Filed as: DAVID K BOWEN | 6513 BANBURY XING BRENTWOOD, TN 37027 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.70% |
| DONALD B BOWEN3 | 6513 BANBURY CROSSING BRENTWOOD, TN 37027 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $538 | — | $538 | 1.01% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 270 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 270 | $1.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 270 | $1.6M |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 135 | $53K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 135 | $53K |
| Other(2 contracts, 2 carriers) | AFLAC | 135 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.