| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIITS INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $45K | — | $45K | 17.01% |
| BENEFIITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | PRINCIPAL LIFE INSURANCE COMPANY | $22K | $5K | $27K | 14.85% |
| BENEFIITS INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | AFLAC | $2K | — | $2K | 6.67% |
| SUSIE THORPE Filed as: SUSIE C THORPE | 2828 W GALLAHER FERRY RD KNOXVILLE, TN 37932 | AFLAC | $455 | — | $455 | 1.49% |
| DRURY GROUP, INC Filed as: DRURY GROUP INC | PO BOX 869 FRANKLIN, TN 37065 | AFLAC | $395 | — | $395 | 1.29% |
| LARA K GRANDE Filed as: LARA GRANDE | 117 MORNING MIST LN FRANKLIN, TN 37064 | AFLAC | $294 | — | $294 | 0.96% |
| DON C REESE | 144 ANGELS COVE LN LEBANON, TN 37087 | AFLAC | $186 | — | $186 | 0.61% |
| CASEY A CURLEE | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $153 | — | $153 | 0.50% |
| JORDAN S SMITH Filed as: JORDAN SMITH | 6669 ARNO ALLISONA RD COLLEGE GROVE, TN 37046 | AFLAC | $123 | $27 | $150 | 0.49% |
| KELSEY DAVID EVERT | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $137 | — | $137 | 0.45% |
| TERI MAYNARD | 1234 CALIFORNIA DR MURFREESBORO, TN 37129 | AFLAC | $111 | — | $111 | 0.36% |
| HIGGINS INSURANCE INC | PO BOX 552 HOPKINSVILLE, KY 42241 | AFLAC | $104 | — | $104 | 0.34% |
| NATHAN A THORPE | 5304 CALVERT LN KNOXVILLE, TN 37918 | AFLAC | $78 | — | $78 | 0.25% |
| MATTHEW D BUTLER | 1298 BUCKHORN WAY LOUDON, TN 37774 | AFLAC | $72 | — | $72 | 0.24% |
| DONALD L LARSON | 1528 LOUISVILLE RD ALCOA, TN 37701 | AFLAC | $67 | — | $67 | 0.22% |
| THOMAS M WILLIAMSON | 2055 N MOUNT JULIET STE 201 MOUNT JULIET, TN 37122 | AFLAC | $63 | — | $63 | 0.21% |
| RONALD H RICHEY Filed as: RONALD RICHEY | 4499 MURFREESBORO RD FRANKLIN, TN 37067 | AFLAC | $29 | — | $29 | 0.09% |
| ALAN W FOSTER | 716 FRENCH RIVER RD NOLENSVILLE, TN 37135 | AFLAC | $29 | — | $29 | 0.09% |
| CYNTHIA MOORE | 11600 GATES MILL DR KNOXVILLE, TN 37934 | AFLAC | $25 | — | $25 | 0.08% |
| VBTN, INC Filed as: VBTN INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $17 | — | $17 | 0.06% |
| ALMON E GOODWIN JR | 518 ALABAMA ST KILLEN, AL 35645 | AFLAC | $7 | — | $7 | 0.02% |
| ALAN W MARTIN | 12524 MALLARD BAY RD KNOXVILLE, TN 37922 | AFLAC | $4 | — | $4 | 0.01% |
| JAY S OLEARY | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $3 | — | $3 | 0.01% |
| CHARLES F GREER Filed as: CHARLES GREER | 9537 PECKY CYPRESS WAY ORLANDO, FL 32836 | AFLAC | $3 | — | $3 | 0.01% |
| KANDI H HECKLER | 5453 HASSELL DR ROCKVALE, TN 37153 | AFLAC | $2 | — | $2 | 0.01% |
| JOANNA G MATHERLY | 4581 MAJESTIC MEADOWS DR ARRINGTON, TN 37014 | AFLAC | $2 | — | $2 | 0.01% |
| ABBIE W COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $2 | — | $2 | 0.01% |
| JOSEPH L LEDOUX | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $1 | — | $1 | 0.00% |
| CARLA T WITHERINGTON | 1405 HERRING DR COVINGTON, TN 38019 | AFLAC | $1 | — | $1 | 0.00% |
| ALAN W MARTIN | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $1 | — | $1 | 0.00% |
| BRENT L GOODE | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 0.00% |
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 | 107 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 89 | $265K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 107 | $183K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 107 | $183K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 107 | $183K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 107 | $183K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 107 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.