| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH ROAD STE 300 CHARLOTTE, NC 28211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $118K | $122K | 4.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE, INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 6.38% |
| PHYLLIS DAWN HESLEP3 Filed as: PHYLLIS S BRALY | PO BOX 327 PULASKI, TN 38478 | AFLAC | $17K | — | $17K | 19.99% |
| JENNIFER P EARWOOD3 | 1357 TILTON DR FRANKLIN, TN 37067 | AFLAC | $7K | — | $7K | 7.94% |
| JULIE EUBANK HOUGLAND3 | PO BOX 327 PULASKI, TN 38478 | AFLAC | $4K | — | $4K | 4.52% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $3K | — | $3K | 4.20% |
| CHARLOTTE C MARTIN3 Filed as: CHARLOTTE MARTIN | PO BOX 327 PULASKI, TN 38478 | AFLAC | $611 | — | $611 | 0.74% |
| ANGELA DRAKE3 | 126 WINSFORD CT MURFREESBORO, TN 37130 | AFLAC | $374 | — | $374 | 0.45% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 103 CHEROKEE BLVD STE 225 CHATTANOOGA, TN 37405 | AFLAC | $236 | — | $236 | 0.29% |
| MAX EBSTEIN3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $131 | — | $131 | 0.16% |
| ELAINE HICKMAN3 | PO BOX 327 PULASKI, TN 38478 | AFLAC | $110 | — | $110 | 0.13% |
| JEFF HOUCK3 | 2245 OLD WOODBURY HWY MANCHESTER, TN 37355 | AFLAC | $71 | — | $71 | 0.09% |
| STEVEN ELLERTH3 | 108 NESTLEDOWN CROSSING BELL BUCKLE, TN 37020 | AFLAC | $68 | — | $68 | 0.08% |
| AUSTIN RADER3 | 106 FERRELL AVE STE 6 KINGSPORT, TN 37663 | AFLAC | $67 | — | $67 | 0.08% |
| OSCAR LYNN BOYD3 | 255 N DAYHILL RD STE 201 HARVEST, AL 35749 | AFLAC | $42 | — | $42 | 0.05% |
| JOHN T JEWELL3 Filed as: JOHN JEWELL | 2428 AULDRIDGE DR CHRISTIANA, TN 37037 | AFLAC | $41 | — | $41 | 0.05% |
| ELAINE HICKMAN3 | PO BOX 327 PULASKI, TN 38478 | AFLAC | $40 | — | $40 | 0.05% |
| BRENT GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $40 | — | $40 | 0.05% |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $37 | — | $37 | 0.04% |
| JEFFREY A WILSON SR3 | PO BOX 12573 HUNTSVILLE, AL 35815 | AFLAC | $35 | — | $35 | 0.04% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $28 | — | $28 | 0.03% |
| ROBERTA WILSON3 | PO BOX 12573 HUNTSVILLE, AL 35815 | AFLAC | $27 | — | $27 | 0.03% |
| JAY S OLEARY3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $24 | — | $24 | 0.03% |
| ALAN W MARTIN3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $15 | — | $15 | 0.02% |
| VBTN, INC3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $14 | — | $14 | 0.02% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $13 | — | $13 | 0.02% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN SHELBY AMOS | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $11 | — | $11 | 0.01% |
| REX L BROOKS3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $9 | — | $9 | 0.01% |
| LELAND C ADAMS III3 | 12013 WYANDOTTE DR SW HUNTSVILLE, AL 35803 | AFLAC | $8 | — | $8 | 0.01% |
| R AND L SUPPLEMENTAL BENEFITS INC3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $7 | — | $7 | 0.01% |
| SAIC INC3 Filed as: SAIC, INC | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $7 | — | $7 | 0.01% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $6 | — | $6 | 0.01% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $6 | — | $6 | 0.01% |
| KANDI H HECKLER3 | 5453 HASELL DR RACKVALE, TN 37153 | AFLAC | $4 | — | $4 | 0.00% |
| BRENDA S SPEER3 | PO BOX 327 PULASKI, TN 38478 | AFLAC | $4 | — | $4 | 0.00% |
| EERETT C BICKEL3 | 6310 SW 103RD LN OALA, FL 34476 | AFLAC | $4 | — | $4 | 0.00% |
| THOMAS J PITZENBERGER3 | 1501 SUGARLAND PKWY PLEASANT HILL, MO 64080 | AFLAC | $4 | — | $4 | 0.00% |
| RONNIE TOWNLEY3 | 6602 LIZZIE LN SE OWENS CROSS ROADS, AL 35763 | AFLAC | $4 | — | $4 | 0.00% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $4 | — | $4 | 0.00% |
| JAMES D STEPHENS3 | 26710 MANDRAKE FALLS CT KATY, TX 77494 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $1 | — | $1 | 0.00% |
| PERRY L CALVERT3 | PO BOX 4086 HUNTSVILLE, AL 35815 | AFLAC | $1 | — | $1 | 0.00% |
| SHANNON L MCBRIDE3 | 2004 HUALAPAI LN GUNTERSVILLE, AL 35976 | AFLAC | $1 | — | $1 | 0.00% |
| CARLA T WITHERINGTON3 | 1405 HERRING DR COVINGTON, TN 38019 | AFLAC | $0 | — | $0 | 0.00% |
| BRIAN E HICKS3 | 188 FRONT STREET STE 11639 FRANKLIN, TN 37064 | AFLAC | $0 | — | $0 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 14.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENURY BLVD NASHVILLE, TN 37214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $160 | $834 | $994 | 1.37% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBORUGH RD STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $407 | $407 | 0.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 14.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE, INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $214 | $214 | 1.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $153 | $255 | $408 | 3.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTURY BLVD NASHVILLE, TN 37214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $43 | $43 | 0.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE | 1901 ROXBOROUGH RD STE300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $308 | — | $308 | 8.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 26 CENTUREY BLVD NASHVILLE, TN 37214 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $39 | $39 | 1.11% |
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 | 336 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 133 | $3.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 293 | $147K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 133 | $3.0M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 422 | $68K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 60 | $73K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 176 | $10K |
| Other(4 contracts, 2 carriers) | AFLAC | 422 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.