| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL THOMAS WAMBLE3 | 118 GEERS DRIVE LEBANON, TN 37087 | AFLAC | $12K | $320 | $12K | 7.73% |
| THOMAS M WILLIAMSON3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $4K | $72 | $4K | 2.52% |
| DANIEL J RIVERA3 | 803 DIVISION STREET APARTMENT 707 NASHVILLE, TN 37203 | AFLAC | $1K | $72 | $1K | 0.86% |
| KELSEY DAVID EVERT3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $1K | — | $1K | 0.79% |
| DAVID KEVIN BOWEN3 | 1029 ELMSHADE LANE NASHVILLE, TN 37211 | AFLAC | $679 | — | $679 | 0.44% |
| STEVEN ANDREW MODLIN3 | 312 FOUNTAIN HEAD ROAD PORTLAND, TN 37148 | AFLAC | $573 | — | $573 | 0.37% |
| DOC N REESE3 | 702 NORTHVIEW CIRCLE LEBANON, TN 37087 | AFLAC | $421 | — | $421 | 0.27% |
| DONALD B BOWEN3 | 6513 BANBURY CROSSING BRENTWOOD, TN 37027 | AFLAC | $226 | — | $226 | 0.15% |
| TIMOTHY CHAPPELL3 | 522 ROCK SPRINGS ROAD WATERTOWN, TN 37184 | AFLAC | $223 | — | $223 | 0.14% |
| PETER J EMMERT3 | 5904 OAKFORGE LANE INDIANAPOLIS, IN 46254 | AFLAC | $197 | — | $197 | 0.13% |
| THE SNYDER BENEFITS FIRM LLC3 | 6133 HORSETAIL DRIVE MCKINNEY, TX 75071 | AFLAC | $185 | — | $185 | 0.12% |
| DAVID M CRUMLEY3 | 132 SEDONA WOODS TRAIL NOLENSVILLE, TN 37135 | AFLAC | $169 | — | $169 | 0.11% |
| EVERETT C BICKEL3 | 10447 SOUTHWEST 62ND COURT OCALA, FL 34476 | AFLAC | $163 | — | $163 | 0.10% |
| JOSHUA LEE JONES3 | 1087 VIA PRINCIPALE NEW BRAUNFELS, TX 78132 | AFLAC | $86 | — | $86 | 0.06% |
| ROBERT W BURGETT3 | 1701 WEST 18TH STREET SUITE A INDIANAPOLIS, IN 46202 | AFLAC | $64 | — | $64 | 0.04% |
| MARIAN E HENDERSON3 | 102 SAVANNAH WAY HENDERSONVILLE, TN 37075 | AFLAC | $60 | — | $60 | 0.04% |
| ERIC DEANE3 Filed as: ERIC DEAN | 7732 BOLERO DRIVE CAMBY, IN 46113 | AFLAC | $43 | — | $43 | 0.03% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DRIVE SUITE 108 MURFREESBORO, TN 37129 | AFLAC | $43 | — | $43 | 0.03% |
| DAVID B RAY3 | 5122 STONEWOOD DRIVE SMYRNA, TN 37167 | AFLAC | $43 | — | $43 | 0.03% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $32 | — | $32 | 0.02% |
| ALAN W MARTIN3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $23 | — | $23 | 0.01% |
| JAY S OLEARY3 | 1802 EAVES COURT NOLENSVILLE, TN 37135 | AFLAC | $22 | — | $22 | 0.01% |
| KANDI H HECKLER3 | 5453 HASELL DRIVE ROCKVALE, TN 37153 | AFLAC | $19 | — | $19 | 0.01% |
| MARLA J PARSONS3 | 18 IRONWOOD LANE BRENTWOOD, TN 37027 | AFLAC | $18 | — | $18 | 0.01% |
| VBTN, INC3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $17 | — | $17 | 0.01% |
| JAMES C FARMER JR3 | 261 CRIMSON SKY COURT DRIPPING SPRINGS, TX 78620 | AFLAC | $15 | — | $15 | 0.01% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVENUE NASHVILLE, TN 37206 | AFLAC | $12 | — | $12 | 0.01% |
| JENNIFER P EARWOOD3 | 5086 WILSON PIKE ARRINGTON, TN 37014 | AFLAC | $9 | — | $9 | 0.01% |
| JASON MULL3 | 302 SOUTH MAPLE STREET LEBANON, TN 37087 | AFLAC | $8 | — | $8 | 0.01% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $7 | — | $7 | 0.00% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $7 | — | $7 | 0.00% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 615 ELINOR STREET CHATTANOOGA, TN 37405 | AFLAC | $6 | — | $6 | 0.00% |
| CARLA T WITHERINGTON3 | 1405 HERRING DRIVE COVINGTON, TN 38019 | AFLAC | $2 | — | $2 | 0.00% |
| ROGER MURRAY JOHNSON3 | 5936 ENCLAVE DRIVE MURFREESBORO, TN 37128 | AFLAC | $1 | — | $1 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 9.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1411 OPUS PLACE SUITE 450 DOWNERS GROVE, IL 60515 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 1.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | DEARBORN LIFE INSURANCE COMPANY | $14K | $4K | $18K | 26.03% |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 258 | $81K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 258 | $81K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 118 | $225K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HCC LIFE INSURANCE COMPANY | 150 | $421K |
| Other(2 contracts, 2 carriers) | AFLAC | 118 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.