| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL THOMAS WAMBLE3 | 118 GEERS DRIVE LEBANON, TN 37087 | AFLAC | $20K | $888 | $21K | 12.28% |
| THOMAS M WILLIAMSON3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $6K | $207 | $6K | 3.40% |
| STEVEN ANDREW MODLIN3 | 312 FOUNTAIN HEAD ROAD PORTLAND, TN 37148 | AFLAC | $2K | $40 | $2K | 1.14% |
| KELSEY DAVID EVERT3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $1K | — | $1K | 0.84% |
| DAVID KEVIN BOWEN3 | 1029 ELMSHADE LANE NASHVILLE, TN 37211 | AFLAC | $812 | — | $812 | 0.48% |
| DANIEL J RIVERA3 | 803 DIVISION STREET APARTMENT 707 NASHVILLE, TN 37203 | AFLAC | $618 | — | $618 | 0.36% |
| DOC N REESE3 | 702 NORTHVIEW CIRCLE LEBANON, TN 37087 | AFLAC | $465 | — | $465 | 0.27% |
| THE SNYDER BENEFITS FIRM LLC3 | 6133 HORSETAIL DRIVE MCKINNEY, TX 75071 | AFLAC | $286 | — | $286 | 0.17% |
| TIMOTHY CHAPPELL3 | 522 ROCK SPRINGS ROAD WATERTOWN, TN 37184 | AFLAC | $257 | — | $257 | 0.15% |
| DONALD B BOWEN3 | 6513 BANBURY CROSSING BRENTWOOD, TN 37027 | AFLAC | $256 | — | $256 | 0.15% |
| PETER J EMMERT3 | 5904 OAKFORGE LANE INDIANAPOLIS, IN 46254 | AFLAC | $226 | — | $226 | 0.13% |
| EVERETT C BICKEL3 | 10447 SOUTHWEST 62ND COURT OCALA, FL 34476 | AFLAC | $202 | — | $202 | 0.12% |
| DAVID M CRUMLEY3 | 132 SEDONA WOODS TRAIL NOLENSVILLE, TN 37135 | AFLAC | $183 | — | $183 | 0.11% |
| JOSHUA LEE JONES3 | 1087 VIA PRINCIPALE NEW BRAUNFELS, TX 78132 | AFLAC | $93 | — | $93 | 0.05% |
| ROBERT W BURGETT3 | 1701 WEST 18TH STREET SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $77 | — | $77 | 0.05% |
| MARIAN E HENDERSON3 | 102 SAVANNAH WAY HENDERSONVILLE, TN 37075 | AFLAC | $71 | — | $71 | 0.04% |
| STACY S SCHMIDT3 | 2639 WEST OLD TOPSIDE ROAD LOUISVILLE, TN 37777 | AFLAC | $61 | — | $61 | 0.04% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DRIVE SUITE 108 MURFREESBORO, TN 37129 | AFLAC | $56 | — | $56 | 0.03% |
| DAVID B RAY3 | 5122 STONEWOOD DRIVE SMYRNA, TN 37167 | AFLAC | $51 | — | $51 | 0.03% |
| ERIC DEANE3 | 7732 BOLERO DRIVE CAMBY, IN 46113 | AFLAC | $47 | — | $47 | 0.03% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $41 | — | $41 | 0.02% |
| MARLA J PARSONS3 | 18 IRONWOOD LANE BRENTWOOD, TN 37027 | AFLAC | $37 | — | $37 | 0.02% |
| ALAN W MARTIN3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $28 | — | $28 | 0.02% |
| JAY S OLEARY3 | 1802 EAVES COURT NOLENSVILLE, TN 37135 | AFLAC | $28 | — | $28 | 0.02% |
| VBTN, INC3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $24 | — | $24 | 0.01% |
| KANDI H HECKLER3 | 5453 HASELL DRIVE ROCKVALE, TN 37153 | AFLAC | $23 | — | $23 | 0.01% |
| STEVEN H STEINHAUER3 | PO BOX 817 HENDERSONVILLE, TN 37077 | AFLAC | $18 | — | $18 | 0.01% |
| JAMES C FARMER JR3 | 641 OLD HICKORY BOULEVARD DRIPPING SPRINGS, TX 78620 | AFLAC | $18 | — | $18 | 0.01% |
| JENNIFER P EARWOOD3 | 5086 WILSON PIKE ARRINGTON, TN 37014 | AFLAC | $15 | — | $15 | 0.01% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVENUE NASHVILLE, TN 37206 | AFLAC | $14 | — | $14 | 0.01% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 615 ELINOR STREET CHATTANOOGA, TN 37405 | AFLAC | $10 | — | $10 | 0.01% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $10 | — | $10 | 0.01% |
| JASON MULL3 | 1220 CHICKEN ROAD LEBANON, TN 37090 | AFLAC | $10 | — | $10 | 0.01% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $9 | — | $9 | 0.01% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $9 | — | $9 | 0.01% |
| CARLA T WITHERINGTON3 | 1405 HERRING DRIVE COVINGTON, TN 38019 | AFLAC | $3 | — | $3 | 0.00% |
| ROGER MURRAY JOHNSON3 | 5936 ENCLAVE DRIVE MURFREESBORO, TN 37128 | AFLAC | $2 | — | $2 | 0.00% |
| LARA K GRANDE3 | 117 MORNING MIST LANE FRANKLIN, TN 37064 | AFLAC | $1 | — | $1 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 6.71% |
| CRICHTON BRANDON JACKSON & WARD INC3 Filed as: CRICHTON BRANDON JACKSON AND WARD I | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 4.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3635 RIVERSIDE PLAZA DRIVE RIVERSIDE, CA 92506 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $900 | $900 | 1.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | DEARBORN LIFE INSURANCE COMPANY | $14K | $3K | $17K | 24.55% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 266 | $78K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 266 | $78K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 131 | $239K |
| Stop-loss / reinsurancereinsurance(2 contracts) | TOKIO MARINE | 146 | $862K |
| Other(2 contracts, 2 carriers) | AFLAC | 131 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.