| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COURTNEY E NELSON3 Filed as: COURTNEY NELSON | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $38K | — | $38K | 5.58% |
| 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 | $15K | $6K | $21K | 14.76% |
| ANASTASIA MODLIN3 Filed as: ANASTASIA ELAINE MODLIN | 312 FOUNTAIN HEAD ROAD PORTLAND, TN 37148 | AFLAC | $683 | $294 | $977 | 5.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TN INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | AFLAC | $905 | — | $905 | 5.20% |
| JAIME HUTTON3 Filed as: JAIME M HUTTON | 1893 HIGHWAY 25 GALLATIN, TN 37066 | AFLAC | $587 | $170 | $757 | 4.35% |
| STEVEN ANDREW MODLIN3 | 312 FOUNTAIN HEAD ROAD PORTLAND, TN 37148 | AFLAC | $239 | $69 | $308 | 1.77% |
| JAMES C FARMER JR3 | 641 OLD HICKORY BOULEVARD UNIT 60 BRENTWOOD, TN 37027 | AFLAC | $162 | $96 | $258 | 1.48% |
| H BRIAN GIBSON3 | 8075 SAWYER BROWN ROAD APARTMENT 208 NASHVILLE, TN 37221 | AFLAC | $85 | $40 | $125 | 0.72% |
| KELSEY DAVID EVERT3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $96 | — | $96 | 0.55% |
| JORDAN S SMITH3 | 240 WILSON PIKE CIRCLE SUITE 200 BRENTWOOD, TN 37027 | AFLAC | $70 | $13 | $83 | 0.48% |
| LARA K GRANDE3 | 117 MORNING MIST LANE FRANKLIN, TN 37064 | AFLAC | $65 | — | $65 | 0.37% |
| THOMAS M WILLIAMSON3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $55 | — | $55 | 0.32% |
| CHRISTOPHER CLUNAN3 Filed as: CHRISTOPHER M CLUNAN | 2779 JUTES DRIVE THOMPSONS STATION, TN 37179 | AFLAC | $5 | — | $5 | 0.03% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 155 | $678K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $143K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $143K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $143K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $143K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $143K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.