| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COURTNEY E NELSON3 Filed as: COURTNEY NELSON | 6 CADILLAC DRIVE SUITE 200 NASHVILLE, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $43K | — | $43K | 6.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE, IN | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $7K | $21K | 15.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TN INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | AFLAC | $3K | — | $3K | 12.88% |
| ANASTASIA MODLIN3 Filed as: ANASTASIA ELAINE MODLIN | 312 FOUNTAIN HEAD ROAD PORTLAND, TN 37148 | AFLAC | $2K | — | $2K | 10.81% |
| JAIME HUTTON3 Filed as: JAIME M HUTTON | 1893 HIGHWAY 25 GALLATIN, TN 37066 | AFLAC | $2K | $27 | $2K | 9.38% |
| STEVEN ANDREW MODLIN3 | 312 FOUNTAIN HEAD ROAD PORTLAND, TN 37148 | AFLAC | $617 | — | $617 | 2.83% |
| JAMES C FARMER JR3 | 641 OLD HICKORY BOULEVARD UNIT 60 BRENTWOOD, TN 37027 | AFLAC | $498 | $8 | $506 | 2.32% |
| H BRIAN GIBSON3 | 8075 SAWYER BROWN ROAD APARTMENT 208 NASHVILLE, TN 37221 | AFLAC | $321 | — | $321 | 1.47% |
| KELSEY DAVID EVERT3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $149 | — | $149 | 0.68% |
| LARA K GRANDE3 | 117 MORNING MIST LANE FRANKLIN, TN 37064 | AFLAC | $107 | — | $107 | 0.49% |
| JORDAN S SMITH3 | 240 WILSON PIKE CIRCLE SUITE 200 BRENTWOOD, TN 37027 | AFLAC | $103 | $2 | $105 | 0.48% |
| CHRISTOPHER CLUNAN3 Filed as: CHRISTOPHER M CLUNAN | 2779 JUTES DRIVE THOMPSONS STATION, TN 37179 | AFLAC | $73 | $12 | $85 | 0.39% |
| THOMAS M WILLIAMSON3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $65 | — | $65 | 0.30% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 163 | $658K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $138K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $138K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $138K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $138K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $138K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.