| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAURA WAGGONER3 | 315 S SECOND STREET UNION CITY, TN 38261 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $49K | — | $49K | 5.68% |
| WESTAN INSURANCE GROUP INC3 Filed as: WESTAN GROUP INS | DBA UNION CITY INS AGENCY 315 SOUTH 2ND STREET UNION CITY, TN 38261 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | — | $15K | 13.79% |
| LORI R GRIZZELL3 | 2319 BELLEVUE COURT BOWLING GREEN, KY 42101 | AFLAC | $4K | $166 | $4K | 8.86% |
| KELLI LYNNE GOSSUM3 Filed as: KELLI GOSSUM | PO BOX 154 WINGO, KY 42088 | AFLAC | $913 | $2 | $915 | 2.03% |
| MATTHEW SMITH3 | 8313 WEST HILLSBOROUGH AVENUE SUITE 150 TAMPA, FL 33615 | AFLAC | $722 | $2 | $724 | 1.61% |
| CHARLES HARTHUN3 Filed as: CHARLES B HARTHUN | 1577 LAWSON ROAD CROSSVILLE, TN 38571 | AFLAC | $567 | $30 | $597 | 1.33% |
| SHIRLEY K GOSSUM3 | PO BOX 174 WINGO, KY 42088 | AFLAC | $519 | — | $519 | 1.15% |
| RONALD H GOSSUM3 | PO BOX 174 WINGO, KY 42088 | AFLAC | $411 | — | $411 | 0.91% |
| STEVEN BREWER3 Filed as: STEVEN W BREWER | 715 PINE RIDGE ROAD LEXINGTON, TN 38351 | AFLAC | $172 | $31 | $203 | 0.45% |
| FRANK ANTHONY LAIRD3 Filed as: FRANK LAIRD | 222 KENTUCKY AVENUE SUITE 3 PADUCAH, KY 42003 | AFLAC | $189 | — | $189 | 0.42% |
| ANGELA KAYE DOWDY3 Filed as: ANGELA DOWDY | 18837 CANOEBROOK LANE TONEY, AL 35773 | AFLAC | $179 | — | $179 | 0.40% |
| ROBERT G SPANN3 | 821 SHA WA COURT MURRAY, KY 42071 | AFLAC | $105 | — | $105 | 0.23% |
| ARTHUR M PRIDDY3 | 436 W GRAND STREET JACKSON, TN 38301 | AFLAC | $95 | — | $95 | 0.21% |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOCIATES INC | 220 NORTH MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | AFLAC | $95 | — | $95 | 0.21% |
| VBTN, INC3 Filed as: VBTN INC | 301 MALLORY STATION ROAD SUITE 100 FRANKLIN, TN 37067 | AFLAC | $62 | $31 | $93 | 0.21% |
| JASON BRINKMEYER3 | 170 TURTLE CREEK DRIVE JACKSON, TN 38305 | AFLAC | $81 | — | $81 | 0.18% |
| C BORLAND3 | 10471 PAUSCH ROAD LEESBURG, OH 45135 | AFLAC | $60 | — | $60 | 0.13% |
| WILLIAM C BROWNING3 | 47 WOOD DUCK COVE JACKSON, TN 38305 | AFLAC | $58 | — | $58 | 0.13% |
| R WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $55 | — | $55 | 0.12% |
| LESLIE K KIMBROUGH3 | PO BOX 23488 BOCA RATON, FL 33427 | AFLAC | $53 | — | $53 | 0.12% |
| BRIDGITT L OSWALT3 | 136 HICKORY HILL LANE BENTON, KY 42025 | AFLAC | $49 | — | $49 | 0.11% |
| JOSEPH G PEELER3 | 6529 FOREST GROVE LANE WALLS, MS 36380 | AFLAC | $46 | — | $46 | 0.10% |
| DAVID L KLEVAN3 Filed as: DAVID KLEVAN | 2965 POPLAR GROVE LANE GERMANTOWN, TN 38139 | AFLAC | $43 | — | $43 | 0.10% |
| THERESA J SMITH3 | 10200 DORSEY POINTE CIRCLE LOUISVILLE, KY 40223 | AFLAC | $42 | — | $42 | 0.09% |
| MILTON E WUERTZ3 Filed as: MILTON WUERTZ | 1017 BELMONT DRIVE DICKSON, TN 37055 | AFLAC | $40 | — | $40 | 0.09% |
| MOZELL ROSS3 | 301 RICHARD STREET SOUTH FULTON, TN 38257 | AFLAC | $38 | — | $38 | 0.08% |
| WILLIAM WALTER FARRIS3 Filed as: WILLIAM FARRIS | 260 JOANN ROAD SOMERVILLE, TN 38088 | AFLAC | $35 | — | $35 | 0.08% |
| CARLA WITHERINGTON3 | PO BOX 23728 KNOXVILLE, TN 37933 | AFLAC | $29 | — | $29 | 0.06% |
| GARY W LOVELL3 Filed as: GARY LOVELL | PO BOX 662146 FRANKLIN, TN 37088 | AFLAC | $28 | — | $28 | 0.06% |
| CHRISTINE L EBY3 Filed as: CHRISTINE EBY | 3210 TIZER DRIVE HELENA, MT 59602 | AFLAC | $24 | — | $24 | 0.05% |
| MARIELLE DOZIER3 | 594 GURNETT CREEK ROAD TOWNSEND, MT 59644 | AFLAC | $23 | — | $23 | 0.05% |
| PHILLIP L DAGASTINO3 Filed as: PHILLIP DAGASTINO | 5301 PECAN GROVE LANE MEMPHIS, TN 38120 | AFLAC | $19 | — | $19 | 0.04% |
| KELLY M FLAHERTY SETTLE3 Filed as: KELLY FLAHERTY SETTLE | PO BOX 495 CANYON CREEK, MT 59633 | AFLAC | $17 | — | $17 | 0.04% |
| JERRY W WILLOUGHBY3 Filed as: JERRY WILLOUGHBY | 72 ROY CROW RD NEWBERN, TN 38059 | AFLAC | $15 | — | $15 | 0.03% |
| RONALD H RICHEY3 Filed as: RONALD RICHEY | 4023 LAURAWOOD LANE FRANKLIN, TN 37087 | AFLAC | $15 | — | $15 | 0.03% |
| ROBERT L GOBLE3 | 1410 4TH STREET DRIVE NORTHWEST UNIT 208 HICKORY, NC 28601 | AFLAC | $15 | — | $15 | 0.03% |
| TREVOR NORENBERG3 | 10000 NORTH 31ST AVENUE PHOENIX, AZ 86061 | AFLAC | $13 | — | $13 | 0.03% |
| TERRY LOWERY3 | 8495 FARLEY AVENUE CORDOVA, TN 38016 | AFLAC | $3 | $9 | $12 | 0.03% |
| DAVID L DACUS3 Filed as: DAVID DACUS | C/O EXECUTIVE BENEFITS 1133 POLO DRIVE, SUITE 101 COLLIERVILLE, TN 38017 | AFLAC | $11 | — | $11 | 0.02% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BOULEVARD BRENTWOOD, TN 37027 | AFLAC | $11 | — | $11 | 0.02% |
| TIMOTHY T TEAGUE3 | 5104 RUSSELL ROAD FRANKLIN, TN 37087 | AFLAC | $10 | — | $10 | 0.02% |
| WILLIAM D HEYDEL3 | 624 CROWELL LANE LEVANON, TN 37087 | AFLAC | $10 | — | $10 | 0.02% |
| BRENT GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $9 | — | $9 | 0.02% |
| ELIZABETH KATHLEEN SIKES3 Filed as: ELIZABETH SIKES | 4493 DUNMOVIN DRIVE NORTHWEST KENNESAW, GA 30144 | AFLAC | $8 | — | $8 | 0.02% |
| DONALD BURNETT3 | 1138 HARTSVILLE PIKE GALLATIN, TN 37066 | AFLAC | $7 | — | $7 | 0.02% |
| JOSHUA JONES3 | 18032 DEERCLIFF COURT GLENCOE, MO 63038 | AFLAC | $6 | — | $6 | 0.01% |
| LISA HALL3 | 8601 TURNPIKE DRIVE SUITE 206 WESTMINSTER, CO 80031 | AFLAC | $5 | — | $5 | 0.01% |
| CRUSER MARKETING INC3 | 7516 BLUEBONNET BOULEVARD SUITE 118 BATON ROUGE, LA 70610 | AFLAC | $5 | — | $5 | 0.01% |
| KATHERINE B MARCUM3 Filed as: KATHERINE MARCUM | 8747 NORTH QUAIL HOLLOW ROAD MEMPHIS, TN 38120 | AFLAC | $1 | $2 | $3 | 0.01% |
| GREG GRIFFITH3 | 393 TENNESSEE STREET APARTMENT 1 MEMPHIS, TN 38103 | AFLAC | $1 | — | $1 | 0.00% |
| DANIEL E TORRES3 Filed as: DANIEL TORRES | 1750 FARMINGTON CIRCLE WELLINGTON, FL 33414 | AFLAC | $1 | — | $1 | 0.00% |
| DANNY L WILLIAMS3 Filed as: DANNY WILLIAMS | 18 PECAN CIRCLE JACKSON, TN 38301 | AFLAC | $1 | — | $1 | 0.00% |
| HOWARD EATON3 | 1377 CARMONY STREET COLLIERVILLE, TN 38017 | AFLAC | $1 | — | $1 | 0.00% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 173 | $870K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 173 | $870K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 173 | $870K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 149 | $108K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 149 | $108K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 149 | $108K |
| Other | AFLAC | 68 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.