| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TAD BENEFITS LLC3 | 900 GLENRIDGE LN NASHVILLE, TN 37221 | STANDARD INSURANCE COMPANY | $11K | $0 | $11K | 15.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $1K | $0 | $1K | 2.18% |
| JAIME HUTTON3 Filed as: JAIME M HUTTON | 1893 HIGHWAY 25 GALLATIN, TN 37066 | AFLAC | $997 | $0 | $997 | 1.83% |
| TAD BENEFITS LLC3 | 7619 HIGHWAY 70 S UNIT 210392 NASHVILLE, TN 37221 | AFLAC | $942 | $20 | $962 | 1.77% |
| BARRY CAMPBELL3 | 5278 LICKTON PIKE GOODLETTSVILLE, TN 37072 | AFLAC | $214 | $195 | $409 | 0.75% |
| PETER JOHN REGINELLI3 | 131 STREAM VALLEY BLVD FRANKLIN, TN 37064 | AFLAC | $270 | $102 | $372 | 0.68% |
| JORDAN S SMITH3 | 307 SOUTHGATE CT STE 130 BRENTWOOD, TN 37027 | AFLAC | $184 | $76 | $260 | 0.48% |
| THOMAS M WILLIAMSON3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $232 | $0 | $232 | 0.43% |
| LARA K GRANDE3 | 117 MORNING MIST LN FRANKLIN, TN 37064 | AFLAC | $199 | $0 | $199 | 0.37% |
| DWIGHT LAMONT COLEMAN3 | 203 OLD TRENTON RD CLARKSVILLE, TN 37040 | AFLAC | $93 | $94 | $187 | 0.34% |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $165 | $0 | $165 | 0.30% |
| JAMES C FARMER JR3 | 261 CRIMSON SKY CT DRIPPING SPRINGS, TX 78620 | AFLAC | $109 | $0 | $109 | 0.20% |
| WILLIAM AKINES3 | 1927 DUNEDIN DR OLD HICKORY, TN 37138 | AFLAC | $99 | $0 | $99 | 0.18% |
| RAFAEL GUTIERREZ3 Filed as: RAFAEL ANTONIO GUTIERREZ | 1624 GLEN ECHO RD NASHVILLE, TN 37215 | AFLAC | $95 | $0 | $95 | 0.17% |
| H BRIAN GIBSON3 | 105 ZURIC CT NASHVILLE, TN 37221 | AFLAC | $83 | $0 | $83 | 0.15% |
| ANASTASIA MODLIN3 Filed as: ANASTASIA ELAINE MODLIN | 312 FOUNTAIN HEAD RD PORTLAND, TN 37148 | AFLAC | $81 | $0 | $81 | 0.15% |
| STEVEN ANDREW MODLIN3 | 312 FOUNTAIN HEAD RD PORTLAND, TN 37148 | AFLAC | $54 | $0 | $54 | 0.10% |
| MIA SIMMONS3 | 240 WILSON PIKE CIR STE 200 BRENTWOOD, TN 37027 | AFLAC | $54 | $0 | $54 | 0.10% |
| ALAN W FOSTER3 | 716 FRENCH RIVER RD NOLENSVILLE, TN 37135 | AFLAC | $47 | $0 | $47 | 0.09% |
| KRISTIN LATTRELL3 Filed as: KRISTIN LEE LATTREL | 4124 HELENA BAY CT HERMITAGE, TN 37076 | AFLAC | $40 | $0 | $40 | 0.07% |
| DAVID M CRUMLEY3 | 132 SEDONA WOODS TRL NOLENSVILLE, TN 37135 | AFLAC | $16 | $0 | $16 | 0.03% |
| RACHEL BUNN3 | 2880 EVA CLB ACWORTH, GA 30101 | AFLAC | $4 | $0 | $4 | 0.01% |
| JAMES E WOOD3 | 123 SPRINGFIELD DR LEBANON, TN 37087 | AFLAC | $0 | $0 | $0 | 0.00% |
| OAKMONT BENEFITS GROUP3 | 7916 HWY 70S #210392 NAS, TN 37221 | DELTA DENTAL OF TENNESSEE | $4K | $0 | $4K | 10.00% |
| TAD BENEFITS LLC3 | 7619 HWY 70S #210392 NASHVILLE, TN 37221 | DELTA DENTAL OF TENNESSEE | $707 | $0 | $707 | 10.00% |
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 | 104 | 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) | 104 | 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 | STANDARD INSURANCE COMPANY | 104 | $76K |
| Short-term disability | STANDARD INSURANCE COMPANY | 104 | $76K |
| Long-term disability | STANDARD INSURANCE COMPANY | 104 | $76K |
| Other | AFLAC | 70 | $54K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.