| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL THOMAS WAMBLE3 | 118 GEERS DR LEBANON, TN 37087 | AFLAC | $13K | $281 | $13K | 8.44% |
| THOMAS M WILLIAMSON3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $4K | $58 | $4K | 2.55% |
| DANIEL J RIVERA3 | 803 DIVISION ST APT 707 NASHVILLE, TN 37203 | AFLAC | $2K | $58 | $2K | 1.05% |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $1K | $0 | $1K | 0.70% |
| DAVID KEVIN BOWEN3 | 1029 ELMSHADE LN NASHVILLE, TN 37211 | AFLAC | $636 | $0 | $636 | 0.41% |
| DOC N REESE3 | 702 NORTHVIEW CIR LEBANON, TN 37087 | AFLAC | $406 | $0 | $406 | 0.26% |
| STEVEN ANDREW MODLIN3 | 312 FOUNTAIN HEAD RD PORTLAND, TN 37148 | AFLAC | $292 | $0 | $292 | 0.19% |
| DONALD B BOWEN3 | 6513 BANBURY XING BRENTWOOD, TN 37027 | AFLAC | $209 | $0 | $209 | 0.13% |
| PETER J EMMERT3 | 5904 OAKFORGE LN INDIANAPOLIS, IN 46254 | AFLAC | $197 | $0 | $197 | 0.13% |
| TIMOTHY CHAPPELL3 | 522 ROCK SPRINGS RD WATERTOWN, TN 37184 | AFLAC | $187 | $0 | $187 | 0.12% |
| THE SNYDER BENEFITS FIRM LLC3 | 6133 HORSETAIL DR MCKINNEY, TX 75071 | AFLAC | $180 | $0 | $180 | 0.11% |
| DAVID M CRUMLEY3 | 132 SEDONA WOODS TRL NOLENSVILLE, TN 37135 | AFLAC | $171 | $0 | $171 | 0.11% |
| EVERETT C BICKEL3 | 10447 SW 62ND CT OCALA, FL 34476 | AFLAC | $158 | $0 | $158 | 0.10% |
| JOSHUA LEE JONES3 | 2253 PINOT BLANC NEW BRAUNFELS, TX 78132 | AFLAC | $87 | $0 | $87 | 0.06% |
| ROBERT W BURGETT3 | 3670 W 141ST ST CARMEL, IN 46074 | AFLAC | $64 | $0 | $64 | 0.04% |
| MARIAN E HENDERSON3 | 102 SAVANNAH WAY HENDERSONVILLE, TN 37075 | AFLAC | $63 | $0 | $63 | 0.04% |
| DAVID B RAY3 | 5122 STONEWOOD DR SMYRNA, TN 37167 | AFLAC | $45 | $0 | $45 | 0.03% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $45 | $0 | $45 | 0.03% |
| ERIC DEANE3 | 11439 N KITCHEN RD MOORESVILLE, IN 46158 | AFLAC | $43 | $0 | $43 | 0.03% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $33 | $0 | $33 | 0.02% |
| JAY S OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $22 | $0 | $22 | 0.01% |
| ALAN W MARTIN3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $22 | $0 | $22 | 0.01% |
| KANDI H HECKLER3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $18 | $0 | $18 | 0.01% |
| VBTN, INC3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, NC 37215 | AFLAC | $17 | $0 | $17 | 0.01% |
| JUSBIN R GIRON HERRERA3 | 715 STONEGATE DR MOUNT JULIET, TN 37122 | AFLAC | $12 | $0 | $12 | 0.01% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $12 | $0 | $12 | 0.01% |
| JAMES C FARMER JR3 | 261 CRIMSON SKY CT DRIPPING SPRINGS, TX 78620 | AFLAC | $11 | $0 | $11 | 0.01% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $7 | $0 | $7 | 0.00% |
| JOANNA G MATHERLY3 | 4581 MAJESTIC MEADOWS DR ARRINGTON, TN 37014 | AFLAC | $7 | $0 | $7 | 0.00% |
| JASON MULL3 | 302 S MAPLE ST LEBANON, TN 37087 | AFLAC | $6 | $0 | $6 | 0.00% |
| CARLA T WITHERINGTON3 | 1405 HERRING DR COVINGTON, TN 38019 | AFLAC | $2 | $0 | $2 | 0.00% |
| ROGER MURRAY JOHNSON3 | 5936 ENCLAVE DR MURFREESBORO, TN 37128 | AFLAC | $1 | $0 | $1 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE STE 250 NASHVILLE, TN 372043747 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 10.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | DEARBORN LIFE INSURANCE COMPANY | $13K | $3K | $17K | 25.16% |
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 | 268 | 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) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 268 | $79K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 268 | $79K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 113 | $67K |
| Other(2 contracts, 2 carriers) | AFLAC | 113 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.