| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WENDELL DYSON3 Filed as: WENDELL TODD DYSON | 866 RIDGEWAY LOOP RD SUITE 200 MEMPHIS, TN 38120 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $36K | — | $36K | 5.38% |
| CLAY & LAND COMPANIES3 Filed as: CLAY AND LAND INSURANCE AGENCY | 866 RIDGEWAY LOOP RD SUITE 200 MEMPHIS, TN 38120 | DELTA DENTAL OF TENNESSEE | $5K | — | $5K | 6.88% |
| TERRY LOWERY3 | 8495 FARLEY AVE CORDOVA, TN 38016 | AFLAC | $2K | — | $2K | 7.91% |
| WILLIAM WALTER FARRIS3 | 260 JOANN RD SOMERVILLE, TN 38068 | AFLAC | $351 | — | $351 | 1.73% |
| HOWARD EATON3 | 1377 CARMONY ST COLLIERVILLE, TN 38017 | AFLAC | $141 | — | $141 | 0.70% |
| HAROLD L POSTON SR3 | 10080 HIGHWAY 194 OAKLAND, TN 38060 | AFLAC | $116 | — | $116 | 0.57% |
| KATHERINE B MARCUM3 | 6747 N QUAIL HOLLOW RD MEMPHIS, TN 38120 | AFLAC | $100 | — | $100 | 0.49% |
| BILLY J DOUGLASS3 | 1360 KARCHER RD SOMERVILLE, TN 38068 | AFLAC | $90 | — | $90 | 0.44% |
| BYRON RAGLAND JR3 Filed as: BYRON M RAGLAND JR | 1945 GOODHAVEN DR MEMPHIS, TN 38116 | AFLAC | $77 | — | $77 | 0.38% |
| TASHA W DOSSETT3 Filed as: TASHA W DOZIER | 581 HEARDTOWN RD TUPELO, MS 38804 | AFLAC | $66 | — | $66 | 0.33% |
| GREG GRIFFITH3 Filed as: GREG W GRIFFITH | 393 TENNESSEE ST APT 1 MEMPHIS, TN 38103 | AFLAC | $61 | — | $61 | 0.30% |
| KIMBERLY MURRAY3 Filed as: KIMBERLY NICHOLE MURRAY | 8530 WOODLANE DR GERMANTOWN, TN 38138 | AFLAC | $60 | — | $60 | 0.30% |
| VICKIE H WOOD3 | 6394 TEMPLE RD FRANKLIN, TN 37069 | AFLAC | $56 | — | $56 | 0.28% |
| ROBERT L GOBLE3 | 1410 4TH STREET DR NW UNIT 208 HICKORY, NC 28601 | AFLAC | $48 | — | $48 | 0.24% |
| ALAN W MARTIN3 | 12524 MALLARY BAY DR KNOXVILLE, TN 37922 | AFLAC | $43 | — | $43 | 0.21% |
| KENNETH BRADLEY ELDRED3 | 611 BELMONT ESTATES DR HERNANDO, MS 38632 | AFLAC | $38 | — | $38 | 0.19% |
| HOWARD EATON3 | 429 SPRUCE GLEN DR CORDOVA, TN 38018 | AFLAC | $28 | — | $28 | 0.14% |
| RONALD H RICHEY3 Filed as: RONALD H RICKEY | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $20 | — | $20 | 0.10% |
| SEWELL AND ASSOCIATES INC3 | 1055 MISTY LAKE DR LEBANON, TN 37087 | AFLAC | $13 | — | $13 | 0.06% |
| MARK MARQUEZ3 Filed as: MARK A MARQUEZ | 30213 N 54TH PL CAVE CREEK, AZ 85331 | AFLAC | $7 | — | $7 | 0.03% |
| JOSHUA LEE JONES3 | 18032 DEERCLIFF CT GLENCOE, MO 63038 | AFLAC | $7 | — | $7 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD F BROWN | 5150 BAY TOWN CONWAY, AR 72034 | AFLAC | $4 | — | $4 | 0.02% |
| THOMAS EDWARD SHEFFIELD3 | PO BOX 151 MCCOOL JUNCTION, NE 68401 | AFLAC | $3 | — | $3 | 0.01% |
| VBTN, INC3 Filed as: VBTN INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $2 | — | $2 | 0.01% |
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 | 94 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 159 | $689K |
| Dental | DELTA DENTAL OF TENNESSEE | 159 | $70K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 159 | $669K |
| Short-term disability | AFLAC | 21 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.