| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WELSLEY G BROWN JR. | PO BOX 305025 NASHVILLE, TN 37230 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $60K | — | $60K | 5.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | PO BOX 305025 NASHVILLE, TN 37230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC. | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.10% |
| CHARLOTTE C MARTIN3 | PO BOX 327 PULASKI, TN 38478 | AFLAC | $1K | $115 | $1K | 5.12% |
| ELAINE HICKMAN3 Filed as: ELAINE C HICKMAN | PO BOX 327 PULASKI, TN 38478 | AFLAC | $782 | $151 | $933 | 3.77% |
| PHYLLIS DAWN HESLEP3 Filed as: PHYLLIS S BRALY | PO BOX 327 PULASKI, TN 38478 | AFLAC | $751 | $72 | $823 | 3.33% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 242 HERITAGE PARK DR SUITE 106 MURFREESBORO, TN 37129 | AFLAC | $524 | $68 | $592 | 2.39% |
| VBTN, INC3 Filed as: VBTN, INC. | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $161 | $68 | $229 | 0.93% |
| AUSTIN RADER3 | 525 W OAKLAND AVE SUITE 210 JOHNSON CITY, TN 37604 | AFLAC | $153 | $53 | $206 | 0.83% |
| JEFF HOUCK3 | 2245 OLD WOODBURY HWY MANCHESTER, TN 37355 | AFLAC | $185 | — | $185 | 0.75% |
| DAVID M CRUMLEY3 | 5111 MARYLAND WAY SUITE 210 BRENTWOOD, TN 37027 | AFLAC | $156 | $15 | $171 | 0.69% |
| STEVEN ELLERTH3 | 108 NESTLEDOWN CROSSING BELL BUCKLE, TN 37020 | AFLAC | $113 | — | $113 | 0.46% |
| STEVEN ELLERTH3 | 108 NESTLEDOWN CROSSING BELL BUCKLE, TN 37020 | AFLAC | $113 | — | $113 | 0.46% |
| BRENDA S SPEER3 | PO BOX 327 PULASKI, TN 38478 | AFLAC | $91 | — | $91 | 0.37% |
| OSCAR LYNN BOYD3 | 220 THUNDERBIRD DR HARVEST, AL 35749 | AFLAC | $89 | — | $89 | 0.36% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $64 | — | $64 | 0.26% |
| JOHN T JEWELL3 | 1005 LOBLOLLY DRIVE MURFREESBORO, TN 37128 | AFLAC | $60 | — | $60 | 0.24% |
| KELSEY DAVID EVERT3 | 541 N MT JULIET RD STE 2201A MT JULIET, TN 37211 | AFLAC | $52 | — | $52 | 0.21% |
| ALAN W MARTIN3 | 123 CENTER PARK DRIVE SUITE 102 KNOXSVILLE, TN 37922 | AFLAC | $30 | — | $30 | 0.12% |
| GARTH KEMP3 | 21 MOSS FOREST CIRCLE JACKSON, MS 39211 | AFLAC | $14 | — | $14 | 0.06% |
| WILLIAM D HEYDEL3 | 524 CROWELL LANE LEBANON, TN 37087 | AFLAC | $14 | — | $14 | 0.06% |
| JOAN SANDERS3 | PO BOX 327 PULASKI, TN 38478 | AFLAC | $11 | — | $11 | 0.04% |
| JAMES D STEPHENS3 | 26710 MANDRAKE FALLS CT KATY, TX 77494 | AFLAC | $11 | — | $11 | 0.04% |
| EVERETT C BICKEL3 | 16585 LAUREL HILL ROAD SILVER POINT, TN 38582 | AFLAC | $4 | — | $4 | 0.02% |
| THOMAS J PITZENBERGER3 | 1200 NW SOUTH OUTER ROAD SUITE 116 BLUE SPRINGS, MO 64015 | AFLAC | $4 | — | $4 | 0.02% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $2 | — | $2 | 0.01% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 11.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TN INC. | PO BOX 905601 CHARLOTTE, NC 28290 | USABLE LIFE | $2K | — | $2K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | PO BOX 305025 NASHVILLE, TN 37214 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.01% |
| HERITAGE FINANCIAL GROUP LLC3 | 100 BLUEGRASS COMMONS BLVD SUITE 300 HENDERSONVILLE, TN 37075 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 10.22% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 331 | $1.0M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 331 | $1.0M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 331 | $1.0M |
| Life insurance | USABLE LIFE | 187 | $15K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 187 | $54K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 187 | $54K |
| Other(4 contracts, 4 carriers) | AFLAC | 187 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.