| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WELSLEY G BROWN JR./WILLIS & CORROO | PO BOX 305025 NASHVILLE, TN 37230 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $74K | — | $74K | 5.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | PO BOX 305025 NASHVILLE, TN 37230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTDALE RD STE 600 SCOTTSDALE, AZ 85254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 9.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | USABLE LIFE | $2K | — | $2K | 13.33% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 12.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | PO BOX 305025 NASHVILLE, TN 37230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.01% |
| 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 | — | $587 | $587 | 7.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | PO BOX 305025 NASHVILLE, TN 37230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $806 | — | $806 | 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 | — | $557 | $557 | 10.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | PO BOX 305025 NASHVILLE, TN 37214 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $403 | — | $403 | 15.00% |
| CHARLOTTE C MARTIN3 | PO BOX 327 PULASKI, TN 38478 | AFLAC | $1K | $27 | $1K | — |
| PHYLLIS DAWN HESLEP3 Filed as: PHYLLIS S BRALY | PO BOX 327 PULASKI, TN 38478 | AFLAC | $804 | $8 | $812 | — |
| ELAINE HICKMAN3 Filed as: ELAINE C HICKMAN | PO BOX 327 PULASKI, TN 38478 | AFLAC | $569 | $18 | $587 | — |
| JAMES SMITH3 Filed as: JAMES B SMITH | 103 CHEROKEE BLVD STE 225 CHATTANOOGA, TN 37405 | AFLAC | $453 | $11 | $464 | — |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $198 | $11 | $209 | — |
| JEFF HOUCK3 | 2245 OLD WOODBURY HWY MANCHESTER, TN 37355 | AFLAC | $114 | — | $114 | — |
| STEVEN ELLERTH3 | 108 NESTLEDOWN CROSSING BELL BUCKLE, TN 37020 | AFLAC | $111 | — | $111 | — |
| OSCAR LYNN BOYD3 | 220 THUNDERBIRD DR HARVEST, AL 35749 | AFLAC | $98 | — | $98 | — |
| AUSTIN RADER3 | 106 FERRELL AVE STE 6 KINGSPORT, TN 37663 | AFLAC | $98 | — | $98 | — |
| BRENDA S SPEER3 | PO BOX 327 PULASKI, TX 38478 | AFLAC | $97 | — | $97 | — |
| JAMES SMITH3 Filed as: JAMES B SMITH | 242 HERMITAGE PARK DR STE 106 MURFREESBORO, TN 37129 | AFLAC | $85 | — | $85 | — |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $64 | — | $64 | — |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $58 | — | $58 | — |
| BEN RENFROE3 | 111 STORMY DRIVE STE 204 MUSCLE SHOALS, AL 35661 | AFLAC | $42 | $16 | $58 | — |
| VBTN, INC3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $45 | $3 | $48 | — |
| ALAN W MARTIN3 | 123 CENTER PARK DRIVE SUITE 102 KNOXSVILLE, TN 37922 | AFLAC | $33 | — | $33 | — |
| SAIC INC3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $20 | $4 | $24 | — |
| GARTH KEMP3 | 21 MOSS FOREST CIR JACKSON, MS 39211 | AFLAC | $14 | — | $14 | — |
| WILLIAM D HEYDEL3 | 524 CROWELL LANE LEBANON, TN 37087 | AFLAC | $14 | — | $14 | — |
| JOHN T JEWELL3 | 1005 LOBLOLLY DRIVE MURFREESBORO, TN 37128 | AFLAC | $12 | — | $12 | — |
| JOSEPH P CALARCO3 Filed as: JOSEPH N MCBRIDE | 106 AMY LANE MUSCLE SHOALS, AL 35661 | AFLAC | $8 | $4 | $12 | — |
| JOAN SANDERS3 | PO BOX 327 PULASKI, TN 38476 | AFLAC | $11 | — | $11 | — |
| JENNIFER P EARWOOD3 | 1357 TILTON DR FRANKLIN, TN 37067 | AFLAC | $11 | — | $11 | — |
| JULIE EUBANK HOUGLAND3 Filed as: JULIE L EUBANK HOUGLAND | PO BOX 327 PULASKI, TN 38478 | AFLAC | $9 | — | $9 | — |
| JAMES D STEPHENS3 | 26710 MANDRAKE FALLS CT KATY, TX 77494 | AFLAC | $7 | — | $7 | — |
| EVERETT C BICKEL3 | 14970 CENTER HILL DAM RD SILVER POINT, TN 38582 | AFLAC | $4 | — | $4 | — |
| THOMAS J PITZENBERGER3 | 1501 SUGARLAND PKWY PLEASANT HILL, MO 64080 | AFLAC | $4 | — | $4 | — |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $3 | — | $3 | — |
| OLIVIA RENFROE3 | 111 STORMY DRIVE MUSCLE SHOALS, AL 35661 | AFLAC | $0 | $3 | $3 | — |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 372 | $1.3M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 372 | $1.3M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 372 | $1.3M |
| Life insurance | USABLE LIFE | 227 | $13K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $21K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $7K |
| Other(3 contracts, 3 carriers) | USABLE LIFE | 227 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.
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.