| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COURTNEY E NELSON3 | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $37K | — | $37K | 5.61% |
| 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 | $20K | 14.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TN INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | AFLAC | $593 | — | $593 | 4.55% |
| JAIME HUTTON3 | 312 FOUNTAIN HEAD ROAD PORTLAND, TN 37148 | AFLAC | $352 | $9 | $361 | 2.77% |
| ANASTASIA MODLIN3 | 312 FOUNTAIN HEAD ROAD PORTLAND, TN 37148 | AFLAC | $261 | $14 | $275 | 2.11% |
| STEVEN ANDREW MODLIN3 Filed as: STEVEN MODLIN | 312 FOUNTAIN HEAD ROAD PORTLAND, TN 37148 | AFLAC | $113 | $5 | $118 | 0.91% |
| BARRY CAMPBELL3 | 5278 LICKTON PIKE GOODLETTSVILLE, TN 37072 | AFLAC | $107 | — | $107 | 0.82% |
| JAMES C FARMER JR3 Filed as: JAMES FARMER JR | 261 CRIMSON SKY COURT DRIPPING SPRINGS, TX 78620 | AFLAC | $101 | — | $101 | 0.78% |
| JORDAN S SMITH3 Filed as: JORDAN SMITH | 307 SOUTHGATE COURT SUITE 130 BRENTWOOD, TN 37027 | AFLAC | $60 | $5 | $65 | 0.50% |
| KELSEY EVERT3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $63 | — | $63 | 0.48% |
| THOMAS WILLIAMSON3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $49 | — | $49 | 0.38% |
| H GIBSON3 | 8075 SAWYER BROWN ROAD APARTMENT 208 NASHVILLE, TN 37221 | AFLAC | $47 | — | $47 | 0.36% |
| LARA K GRANDE3 Filed as: LARA GRANDE | 117 MORNING MIST LANE FRANKLIN, TN 37064 | AFLAC | $40 | — | $40 | 0.31% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 122 | $654K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $137K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $137K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $137K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $137K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $137K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.