| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL THOMAS WAMBLE3 | 118 GEERS DRIVE LEBANON, TN 37087 | AFLAC | $16K | $175 | $16K | 10.93% |
| THOMAS M WILLIAMSON3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $6K | $41 | $6K | 3.86% |
| KELSEY DAVID EVERT3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $2K | — | $2K | 1.08% |
| DAVID KEVIN BOWEN3 | 1029 ELMSHADE LANE NASHVILLE, TN 37211 | AFLAC | $956 | — | $956 | 0.66% |
| DOC N REESE3 | 830 CASTLE HEIGHTS AVENUE LEBANON, TN 37087 | AFLAC | $479 | — | $479 | 0.33% |
| THE SNYDER BENEFITS FIRM LLC3 | 6133 HORSETAIL DRIVE MCKINNEY, TX 75071 | AFLAC | $413 | $41 | $454 | 0.32% |
| DONALD B BOWEN3 | 6513 BANBURY CROSSING BRENTWOOD, TN 37027 | AFLAC | $282 | — | $282 | 0.20% |
| TIMOTHY CHAPPELL3 | 522 ROCK SPRINGS ROAD WATERTOWN, TN 37184 | AFLAC | $237 | — | $237 | 0.16% |
| EVERETT C BICKEL3 | 10447 SOUTHWEST 62ND COURT OCALA, FL 34476 | AFLAC | $234 | — | $234 | 0.16% |
| PETER J EMMERT3 | 5904 OAKFORGE LANE INDIANAPOLIS, IA 46254 | AFLAC | $207 | — | $207 | 0.14% |
| STEVEN ANDREW MODLIN3 | 312 FOUNTAIN HEAD ROAD PORTLAND, TX 37148 | AFLAC | $197 | — | $197 | 0.14% |
| DAVID M CRUMLEY3 | 5111 MARYLAND WAY SUITE 210 BRENTWOOD, TN 37027 | AFLAC | $133 | — | $133 | 0.09% |
| MARIAN E HENDERSON3 | 102 SAVANNAH WAY HENDERSONVILLE, TN 37075 | AFLAC | $128 | — | $128 | 0.09% |
| DAVID B RAY3 | 5122 STONEWOOD DRIVE SMYRNA, TN 37167 | AFLAC | $96 | — | $96 | 0.07% |
| JOSHUA LEE JONES3 | 1087 VIA PRINCIPALE NEW BRAUNFELS, TX 78132 | AFLAC | $92 | — | $92 | 0.06% |
| ROBERT W BURGETT3 | 1701 WEST 18TH STREET SUITE A INDIANAPOLIS, IA 46202 | AFLAC | $71 | — | $71 | 0.05% |
| STACY S SCHMIDT3 | 2639 WEST OLD TOPSIDE ROAD LOUISVILLE, TN 37777 | AFLAC | $67 | — | $67 | 0.05% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DRIVE SUITE 108 MURFREESBORO, TN 37129 | AFLAC | $62 | — | $62 | 0.04% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $45 | — | $45 | 0.03% |
| DAVID M CRUMLEY3 | 132 SEDONA WOODS TRAIL NOLENSVILLE, TN 37135 | AFLAC | $44 | — | $44 | 0.03% |
| ERIC DEANE3 | 7732 BOLERO DRIVE CAMBY, IA 46113 | AFLAC | $43 | — | $43 | 0.03% |
| STEVEN H STEINHAUER3 | PO BOX 817 HENDERSONVILLE, TX 37077 | AFLAC | $37 | — | $37 | 0.03% |
| VBTN, INC3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $35 | — | $35 | 0.02% |
| MARLA J PARSONS3 | 18 IRONWOOD LANE BRENTWOOD, TN 37027 | AFLAC | $35 | — | $35 | 0.02% |
| ALAN W MARTIN3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $33 | — | $33 | 0.02% |
| JAY S OLEARY3 | 1802 EAVES COURT NOLENSVILLE, TN 37135 | AFLAC | $31 | — | $31 | 0.02% |
| KANDI H HECKLER3 | 5453 HASELL DRIVE ROCKVALE, TN 37153 | AFLAC | $28 | — | $28 | 0.02% |
| JAMES C FARMER JR3 | 641 OLD HICKORY BOULEVARD UNIT 60 BRENTWOOD, TN 37027 | AFLAC | $21 | — | $21 | 0.01% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVENUE NASHVILLE, TN 37206 | AFLAC | $15 | — | $15 | 0.01% |
| JASON MULL3 | 1220 CHICKEN ROAD LEBANON, TN 37090 | AFLAC | $12 | — | $12 | 0.01% |
| JENNIFER P EARWOOD3 | 1357 TILTON DRIVE FRANKLIN, TN 37067 | AFLAC | $11 | — | $11 | 0.01% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $11 | — | $11 | 0.01% |
| STEPHEN A ANDERSON3 | 161 WYNBROOKE TERRACE HENDERSONVILLE, TN 37075 | AFLAC | $11 | — | $11 | 0.01% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $10 | — | $10 | 0.01% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $10 | — | $10 | 0.01% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 615 ELINOR STREET CHATTANOOGA, TN 37405 | AFLAC | $9 | — | $9 | 0.01% |
| LARA K GRANDE3 | 117 MORNING MIST LANE FRANKLIN, TN 37064 | AFLAC | $6 | — | $6 | 0.00% |
| CARLA T WITHERINGTON3 | 1405 HERRING DRIVE COVINGTON, TN 38019 | AFLAC | $4 | — | $4 | 0.00% |
| ROGER MURRAY JOHNSON3 | 5936 ENCLAVE DRIVE MURFREESBORO, TN 37128 | AFLAC | $2 | — | $2 | 0.00% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON BRANDON JACKSON AND WARD | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 10.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMITED I | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | DEARBORN LIFE INSURANCE COMPANY | $13K | $3K | $15K | 24.44% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 252 | $76K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 252 | $76K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 140 | $207K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HCC LIFE INSURANCE COMPANY | 160 | $422K |
| Other(2 contracts, 2 carriers) | AFLAC | 140 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.