| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JULIE L TEMPLETON3 | 709 HELMSDALE PL S BRENTWOOD, TN 37027 | AFLAC | $7K | $449 | $7K | 7.35% |
| JORDAN S SMITH3 | 6669 ARNO ALLISONA RD COLLEGE GROVE, TN 37046 | AFLAC | $1K | $92 | $1K | 1.43% |
| PETER JOHN REGINELLI3 | 131 STREAM VALLEY BLVD FRANKLIN, TN 37064 | AFLAC | $667 | $62 | $729 | 0.72% |
| BETTY J LINDSEY3 | 709 HELMSDALE PL S BRENTWOOD, TN 37027 | AFLAC | $610 | — | $610 | 0.60% |
| WILLIAM AKINES3 | 1927 DUNEDIN DR OLD HICKORY, TN 37138 | AFLAC | $572 | $30 | $602 | 0.59% |
| JOANNA G MATHERLY3 Filed as: JOANNA GRACE MATHERLY | 4581 MAJESTIC MEADOWS DR ARRINGTON, TN 37014 | AFLAC | $468 | — | $468 | 0.46% |
| CHAD M DEVINE3 | 1668 CONSTELLATION CT MURFREESBORO, TN 37129 | AFLAC | $384 | — | $384 | 0.38% |
| DAVID M CRUMLEY3 Filed as: DAVID E WATSON | 6003 FOXLAND DR BRENTWOOD, TN 37027 | AFLAC | $279 | — | $279 | 0.27% |
| JOHN R OVERACRE3 | 1300 NE HILLTOP DR BLUE SPRINGS, MO 64014 | AFLAC | $228 | — | $228 | 0.22% |
| WANDA O HOLT3 | 4904 GREENBRIAR CIRCLE OLD HICKORY, TN 37138 | AFLAC | $203 | — | $203 | 0.20% |
| KANDI M MCINTYRE3 Filed as: KANDI MCINTYRE | 8429 LORRAINE RD 385 LAKEWOOD RANCH, FL 34202 | AFLAC | $194 | — | $194 | 0.19% |
| DAVID M CRUMLEY3 | 132 SEDONA WOODS TRL NOLENSVILLE, TN 37135 | AFLAC | $175 | — | $175 | 0.17% |
| JAMES C FARMER JR3 | 261 CRIMSON SKY CT DRIPPING SPRINGS, TX 78620 | AFLAC | $144 | — | $144 | 0.14% |
| KELSEY DAVID EVERT3 | 2055 N MOUNTY JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $79 | — | $79 | 0.08% |
| GEORGE W HURST III3 Filed as: GEORGE H HURST III | 7146 LAKEVIEW CT BRENTWOOD, TN 37027 | AFLAC | $79 | — | $79 | 0.08% |
| ANNE E SWANSON3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $76 | — | $76 | 0.07% |
| SHARON L PAYNE3 | 7 W BARBEE ST COLUMBIA, KY 42728 | AFLAC | $73 | — | $73 | 0.07% |
| BRETT J HILTON3 | 4892 W TOPCREST DR SOUTH JORDAN, UT 84009 | AFLAC | $57 | — | $57 | 0.06% |
| ROBERT L GOBLE3 | 250 34TH AVE NE HICKORY, NC 29601 | AFLAC | $55 | — | $55 | 0.05% |
| BRIAN LARSON3 Filed as: BRIAN D LARSON | 883 FORD ST ALCOA, TN 37701 | AFLAC | $46 | — | $46 | 0.05% |
| PAULA WINCHELL3 Filed as: PAULA WINCHELL-BARTLEY | 940 CORA WILBORN RD SUMMER SHADE, KY 42166 | AFLAC | $39 | — | $39 | 0.04% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $34 | — | $34 | 0.03% |
| MELISSA MARIE HURLEY3 | 6B FERN AVE NASHVILLE, TN 37207 | AFLAC | $33 | — | $33 | 0.03% |
| JAY OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $29 | — | $29 | 0.03% |
| MATT STEINHAUER III3 | 100 YORKSHIRE CT HENDERSONVILLE, TN 37075 | AFLAC | $25 | — | $25 | 0.02% |
| CATHY MCCLANAHAN3 Filed as: CATHY I MCCLANAHAN | 1011 FOX CV MARYVILLE, TN 37803 | AFLAC | $24 | — | $24 | 0.02% |
| PHILLIP D BLAKEMAN3 | 217 REMBRANDT DR ELIZABETHTOWN, KY 42701 | AFLAC | $19 | — | $19 | 0.02% |
| JOHN DALLAS BYERS3 | 2026 VALLEY BROOK DR BRENTWOOD, TN 37027 | AFLAC | $18 | — | $18 | 0.02% |
| RONALD H RICHEY3 | 4499 MURFREESBORO RD FRANKLIN, TN 37067 | AFLAC | $15 | — | $15 | 0.01% |
| LOUIS CULLEN SMITH3 | 3504 GREENWOOD DR HERMITAGE, TN 37076 | AFLAC | $13 | — | $13 | 0.01% |
| JOSEPH LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $12 | — | $12 | 0.01% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $12 | — | $12 | 0.01% |
| VBTN, INC3 Filed as: VBTN INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $12 | — | $12 | 0.01% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $10 | — | $10 | 0.01% |
| JAMES PRIEST3 Filed as: JAMES M PRIEST | 1009 NORCROSS DR NASHVILLE, TN 37217 | AFLAC | $9 | — | $9 | 0.01% |
| TIMOTHY T TEAGUE3 | 5104 RUSSELL RD FRANKLIN, TN 37064 | AFLAC | $9 | — | $9 | 0.01% |
| CHARLES B LACY JR3 | 1431 SLATE RUND RD APT 39 NEW ALBANY, IN 47150 | AFLAC | $9 | — | $9 | 0.01% |
| MICHAEL C WALKER3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $4 | — | $4 | 0.00% |
| AMY B CITRON3 | 1024 GRANADA AVE NASHVILLE, TN 37206 | AFLAC | $2 | — | $2 | 0.00% |
| KANDI H HECKLER3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $2 | — | $2 | 0.00% |
| ROGER MURRAY JOHNSON3 | 5936 ENCLAVE DR MURFREESBORO, TN 37128 | AFLAC | $1 | — | $1 | 0.00% |
| CARLA T WITHERINGTON3 | 1405 HERRING DR COVINGTON, KY 38019 | AFLAC | $1 | — | $1 | 0.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | HEALTH RESOURCES INC | $4K | — | $4K | 10.00% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 14.03% |
| VAN METER INS AGENCY3 | PO BOX 1779 BOWLING GREEN, KY 42102 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 15.53% |
| TRANSAMERICA3 | 1400 CENTERVIEW LITTLE ROCK, AR 72211 | UNITED HEALTHCARE INSURANCE COMPANY | — | $482 | $482 | 5.18% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTH RESOURCES INC | 146 | $41K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 114 | $9K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 149 | $11K |
| Short-term disability | AFLAC | 83 | $102K |
| Other | AFLAC | 83 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.