| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TAD BENEFITS LLC3 | 7619 HIGHWAY 70 S UNIT 210392 NASHVILLE, TN 37221 | AFLAC | $3K | $15 | $3K | 5.66% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $1K | $0 | $1K | 1.70% |
| PETER REGINELLI3 | 131 STREAM VALLEY BLVD FRANKLIN, TN 37064 | AFLAC | $865 | $10 | $875 | 1.46% |
| JAIME HUTTON3 Filed as: JAIME M HUTTON | 1893 HIGHWAY 25 GALLATIN, TN 37066 | AFLAC | $857 | $0 | $857 | 1.43% |
| JORDAN S SMITH3 Filed as: JORDAN SMITH | 6669 ARNO ALLISONA RD COLLEGE GROVE, TN 37046 | AFLAC | $586 | $10 | $596 | 0.99% |
| AARON SPELZHAUS3 | 3281 HOLIDAY LN COLUMBIA, TN 38401 | AFLAC | $580 | $0 | $580 | 0.97% |
| VICTORIA RIFE3 | 1804 HAILEY AVE NASHVILLE, TN 37218 | AFLAC | $405 | $0 | $405 | 0.67% |
| WILLIAM AKINES3 | 1927 DUNEDIN DR OLD HICKORY, TN 37138 | AFLAC | $355 | $29 | $384 | 0.64% |
| THOMAS WILLIAMSON3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $202 | $0 | $202 | 0.34% |
| MIA SIMMONS3 | 240 WILSON PIKE CIR STE 200 BRENTWOOD, TN 37027 | AFLAC | $189 | $12 | $201 | 0.33% |
| LARA K GRANDE3 Filed as: LARA GRANDE | 117 MORNING MIST LN FRANKLIN, TN 37064 | AFLAC | $197 | $0 | $197 | 0.33% |
| DAVID M CRUMLEY3 Filed as: DAVID CUMLEY | 132 SEDONA WOODS TRL NOLENSVILLE, TN 37135 | AFLAC | $179 | $0 | $179 | 0.30% |
| KELSEY EVERT3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $149 | $0 | $149 | 0.25% |
| BARRY CAMPBELL3 | 5278 LICKTON PIKE GOODLETTSVILLE, TN 37072 | AFLAC | $106 | $0 | $106 | 0.18% |
| JAMES C FARMER JR3 Filed as: JAMES FARMER JR | 261 CRIMSON SKY CT DRIPPING SPRINGS, TX 78620 | AFLAC | $98 | $0 | $98 | 0.16% |
| RAFAEL GUTIERREZ3 | 1624 GLEN ECHO RD NASHVILLE, TN 37215 | AFLAC | $95 | $0 | $95 | 0.16% |
| ANASTASIA MODLIN3 | 312 FOUNTAIN HEAD RD PORTLAND, TN 37148 | AFLAC | $75 | $0 | $75 | 0.12% |
| H GIBSON3 | 105 ZURIC CT NASHVILLE, TN 37221 | AFLAC | $73 | $0 | $73 | 0.12% |
| DAVID DANIELS3 | 3466 COBLE RD LEWISBURG, TN 37091 | AFLAC | $60 | $0 | $60 | 0.10% |
| ALAN W FOSTER3 Filed as: ALAN FOSTER | 716 FRENCH RIVER RD NOLENSVILLE, TN 37135 | AFLAC | $53 | $0 | $53 | 0.09% |
| KRISTIN LATTRELL3 Filed as: KRISTIN LATTREL | 4124 HELENA BAY CT HERMITAGE, TN 37076 | AFLAC | $32 | $0 | $32 | 0.05% |
| STEVEN ANDREW MODLIN3 Filed as: STEVEN MODLIN | 312 FOUNTAIN HEAD RD PORTLAND, TN 37148 | AFLAC | $21 | $0 | $21 | 0.03% |
| RACHEL BUNN3 | 2880 EVA CLB ACWORTH, GA 30101 | AFLAC | $4 | $0 | $4 | 0.01% |
| OAKMONT BENEFITS GROUP3 | 7916 HWY 70S #210392 NASHVILLE, TN 37221 | DELTA DENTAL OF TENNESSEE | $4K | $0 | $4K | 10.00% |
| TAD BENEFITS LLC3 | 7619 HWY 70 S UNIT 210392 NASHVILLE, TN 37221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| TAD BENEFITS LLC3 | 7619 HWY 70 S UNIT 210392 NASHVILLE, TN 37221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| TAD BENEFITS LLC3 | 7619 HWY 70 S UNIT 210392 NASHVILLE, TN 37221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| TAD BENEFITS LLC3 | 7619 HWY 70S #210392 NASHVILLE, TN 37221 | DELTA DENTAL OF TENNESSEE | $655 | $0 | $655 | 10.00% |
| TAD BENEFITS LLC3 | 7619 HWY 70 S UNIT 210392 NASHVILLE, TN 37221 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $672 | $0 | $672 | 15.00% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 141 | $39K |
| Vision | DELTA DENTAL OF TENNESSEE | 128 | $7K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $43K |
| Stop-loss / reinsurancereinsurance | ZURICH AMERICAN INSURANCE COMPANY | 0 | $211K |
| Other(5 contracts, 2 carriers) | AFLAC | 100 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.