| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAURA WAGGONER3 | 315 SOUTH SECOND STREET UNION CITY, TN 38261 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $42K | — | $42K | 4.18% |
| BOBIE PHILLIPS3 | 315 SOUTH SECOND STREET UNION CITY, TN 38261 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $13K | — | $13K | 1.29% |
| 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 | 13.80% |
| LORI R GRIZZELL3 | 2319 BELLEVUE COURT BOWLING GREEN, KY 42101 | AFLAC | $3K | $246 | $3K | — |
| KELLI LYNNE GOSSUM3 Filed as: KELLI GOSSUM | PO BOX 154 WINGO, KY 42088 | AFLAC | $781 | — | $781 | — |
| CHARLES HARTHUN3 Filed as: CHARLES B HARTHUN | 1577 LAWSON ROAD CROSSVILLE, TN 38571 | AFLAC | $426 | $50 | $476 | — |
| SHIRLEY K GOSSUM3 | PO BOX 174 WINGO, KY 42088 | AFLAC | $408 | — | $408 | — |
| RONALD H GOSSUM3 | PO BOX 174 WINGO, KY 42088 | AFLAC | $352 | — | $352 | — |
| MATTHEW SMITH3 | 8313 WEST HILLSBOROUGH AVENUE SUITE 150 TAMPA, FL 33615 | AFLAC | $291 | $49 | $340 | — |
| CODY B WHITEHEAD3 Filed as: CODY WHITEHEAD | 22 COTTON BLOSSOM CV JACKSON, TN 38305 | AFLAC | $286 | — | $286 | — |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOCIATES INC | 220 NORTH MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | AFLAC | $197 | — | $197 | — |
| FRANK ANTHONY LAIRD3 Filed as: FRANK LAIRD | 222 KENTUCKY AVENUE SUITE 3 PADUCAH, KY 42003 | AFLAC | $162 | — | $162 | — |
| ANGELA KAYE DOWDY3 Filed as: ANGELA DOWDY | 18837 CANOEBROOK LANE TONEY, AL 35773 | AFLAC | $159 | — | $159 | — |
| DAVID L DACUS3 Filed as: DAVID DACUS | 9045 FOREST CENTRE DRIVE SUITE 101 GERMANTOWN, TN 38138 | AFLAC | $125 | — | $125 | — |
| STEVEN BREWER3 Filed as: STEVEN W BREWER | 715 PINE RIDGE ROAD LEXINGTON, TN 38351 | AFLAC | $110 | — | $110 | — |
| ROBERT G SPANN3 | 821 SHA WA COURT MURRAY, KY 42071 | AFLAC | $105 | — | $105 | — |
| ARTHUR M PRIDDY3 | 436 W GRAND STREET JACKSON, TN 38301 | AFLAC | $85 | — | $85 | — |
| JASON BRINKMEYER3 | 170 TURTLE CREEK DRIVE JACKSON, TN 38305 | AFLAC | $81 | — | $81 | — |
| C BORLAND3 | 10471 PAUSCH ROAD LEESBURG, OH 45135 | AFLAC | $55 | — | $55 | — |
| R WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $47 | — | $47 | — |
| JOSEPH G PEELER3 | 6529 FOREST GROVE LANE WALLS, MS 36380 | AFLAC | $42 | — | $42 | — |
| DAVID L KLEVAN3 Filed as: DAVID KLEVAN | 2985 POPLAR GROVE LANE GERMANTOWN, TN 38139 | AFLAC | $42 | — | $42 | — |
| THERESA J SMITH3 Filed as: THERESA SMITH | 3521 HURSTBOURNE RIDGE BOULEVARD LOUISVILLE, KY 40299 | AFLAC | $42 | — | $42 | — |
| LESLIE K KIMBROUGH3 | PO BOX 23488 BOCA RATON, FL 33427 | AFLAC | $40 | — | $40 | — |
| WILLIAM C BROWNING3 Filed as: WILLIAM BROWNING | 47 WOOD DUCK COVE JACKSON, TN 38305 | AFLAC | $38 | — | $38 | — |
| CARLA WITHERINGTON3 | 1405 HERRING DRIVE COVINGTON, TN 38019 | AFLAC | $36 | — | $36 | — |
| VBTN, INC3 Filed as: VBTN INC | 301 MALLORY STATION ROAD SUITE 100 FRANKLIN, TN 37067 | AFLAC | $35 | — | $35 | — |
| BRIDGITT L OSWALT3 | 138 HICKORY HILL LANE BENTON, KY 42025 | AFLAC | $33 | — | $33 | — |
| WILLIAM WALTER FARRIS3 Filed as: WILLIAM FARRIS | 260 JOANN ROAD SOMERVILLE, TN 38088 | AFLAC | $32 | — | $32 | — |
| GARY W LOVELL3 Filed as: GARY LOVELL | PO BOX 882146 FRANKLIN, TN 37088 | AFLAC | $28 | — | $28 | — |
| MILTON E WUERTZ3 Filed as: MILTON WUERTZ | 1017 BELMONT DRIVE DICKSON, TN 37055 | AFLAC | $27 | — | $27 | — |
| PRENTISS L BALLARD3 Filed as: PRENTISS BALLARD | 322 ARLINGTON AVENUE JACKSON, TN 38301 | AFLAC | $25 | — | $25 | — |
| CHRISTINE L EBY3 Filed as: CHRISTINE EBY | 3210 TIZER DRIVE HELENA, MT 59602 | AFLAC | $25 | — | $25 | — |
| MARIELLE DOZIER3 | 594 GURNETT CREEK ROAD TOWNSEND, MT 59644 | AFLAC | $23 | — | $23 | — |
| ROBERT GOBLE3 | 1410 4TH STREET DRIVE NORTHWEST UNIT 208 HICKORY, NC 26601 | AFLAC | $22 | — | $22 | — |
| KELLY M FLAHERTY SETTLE3 Filed as: KELLY FLAHERTY SETTLE | PO BOX 495 CANYON CREEK, MT 59633 | AFLAC | $17 | — | $17 | — |
| TERRY LOWERY3 | 5320 SPRING RIDGE DRIVE EAST MACUNGIE, PA 18082 | AFLAC | $16 | — | $16 | — |
| GREG GRIFFITH3 | 393 TENNESSEE STREET APARTMENT 1 MEMPHIS, TN 36103 | AFLAC | $16 | — | $16 | — |
| JERRY W WILLOUGHBY3 Filed as: JERRY WILLOUGHBY | 72 ROY CROW ROAD NEWBERN, TN 38059 | AFLAC | $15 | — | $15 | — |
| RONALD H RICHEY3 Filed as: RONALD RICHEY | 4023 LAURAWOOD LANE FRANKLIN, TN 37067 | AFLAC | $15 | — | $15 | — |
| TREVOR NORENBERG3 | 6529 SAHALEE COURT RAPID CITY, SD 57702 | AFLAC | $13 | — | $13 | — |
| DEBORAH W HULETTE3 Filed as: DEBORAH HULETTE | 115 CARRIAGE CV SUITE 201 EADS, TN 38028 | AFLAC | $11 | — | $11 | — |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BOULEVARD BRENTWOOD, TN 37027 | AFLAC | $11 | — | $11 | — |
| TIMOTHY T TEAGUE3 | 5104 RUSSELL ROAD FRANKLIN, TN 37064 | AFLAC | $11 | — | $11 | — |
| WILLIAM D HEYDEL3 | 109 NORTH CASTLE HEIGHTS AVENUE LEBANON, TN 37087 | AFLAC | $10 | — | $10 | — |
| PHILLIP L DAGASTINO3 Filed as: PHILLIP DAGASTINO | 5301 PECAN GROVE LANE MEMPHIS, TN 38120 | AFLAC | $9 | — | $9 | — |
| KATHERINE B MARCUM3 Filed as: KATHERINE MARCUM | 298 NORTH OAK GROVE ROAD MEMPHIS, TN 38120 | AFLAC | $9 | — | $9 | — |
| ELIZABETH KATHLEEN SIKES3 Filed as: ELIZABETH SIKES | 352 HAWTHORNE RIDGE CIRCLE DALLAS, GA 30132 | AFLAC | $8 | — | $8 | — |
| DONALD BURNETT3 | 1136 HARTSVILLE PIKE GALLATIN, TN 37066 | AFLAC | $7 | — | $7 | — |
| DANIEL E TORRES3 Filed as: DANIEL TORRES | 1750 FARMINGTON CIRCLE WELLINGTON, FL 33414 | AFLAC | $7 | — | $7 | — |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD BROOKS | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $7 | — | $7 | — |
| BRENT GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $7 | — | $7 | — |
| DANNY L WILLIAMS3 Filed as: DANNY WILLIAMS | 18 PECAN CIRCLE JACKSON, TN 38301 | AFLAC | $6 | — | $6 | — |
| JAY OLEARY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $6 | — | $6 | — |
| DENNIS HARTIN3 | 500 KNIGHTS RUN AVENUE UNIT 1801 TAMPA, FL 33602 | AFLAC | $6 | — | $6 | — |
| JOSHUA JONES3 | 18032 DEERCLIFF COURT GLENCOE, MO 63038 | AFLAC | $5 | — | $5 | — |
| LISA HALL3 | 2542 EAST SUNDOWN DRIVE COEUR D ALENE, ID 83815 | AFLAC | $5 | — | $5 | — |
| CRUSER MARKETING INC3 | 7518 BLUEBONNET BOULEVARD 116 BATON ROUGE, LA 70810 | AFLAC | $5 | — | $5 | — |
| MOZELL ROSS3 | 301 RICHARD STREET SOUTH FULTON, TN 38257 | AFLAC | $4 | — | $4 | — |
| ELIZABETH MONTES3 | 725 KNOLLWOOD LANE SAN DIMAS, CA 91773 | AFLAC | $4 | — | $4 | — |
| HOWARD EATON3 | 1377 CARMONY STREET COLLIERVILLE, TN 38017 | AFLAC | $4 | — | $4 | — |
| BRADLEY L ELLIS3 Filed as: BRADLEY ELLIS | 7713 INDEPENDENCE PLACE CRESTWOOD, KY 40014 | AFLAC | $4 | — | $4 | — |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12624 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $3 | — | $3 | — |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $3 | — | $3 | — |
| PAMELA W EZZELL3 Filed as: PAMELA EZZELL | 4066 HIGHLAND RIDGE ROAD BIRMINGHAM, AL 35242 | AFLAC | $2 | — | $2 | — |
| DAWN A CHRISTENSEN3 Filed as: DAWN CHRISTENSEN | 24516 APPLE STREET NEWHALL, CA 91321 | AFLAC | $2 | — | $2 | — |
| KEITH R MOORE3 Filed as: KEITH MOORE | 135 WALNUT CREEK ROAD CORDOVA, TN 38018 | AFLAC | $2 | — | $2 | — |
| AMY B CITRON3 Filed as: AMY CITRON | 1024 GRANADA AVENUE NASHVILLE, TN 37206 | AFLAC | $2 | — | $2 | — |
| JOSEPH LEDOUX3 | 24111 CARTER AVENUE NASHVILLE, TN 37206 | AFLAC | $1 | — | $1 | — |
| KRISTIANNA J FLY3 Filed as: KRISTIANNA FLY | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $1 | — | $1 | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD BROWN | 5150 BAY TOWN CONWAY, AR 72034 | AFLAC | $1 | — | $1 | — |
| STACEY LYN CASTELLANETA3 Filed as: STACEY CASTELLANETA | 276 MONTEREY DRIVE SUITE 4 NEW LENOX, IL 60451 | AFLAC | $1 | — | $1 | — |
| MICHAEL MCDONALD3 | 329 SOUTH EUCLID AVENUE OAK PARK, IL 60302 | AFLAC | $1 | — | $1 | — |
| CRAIG MICHELSEN3 | 1228 25TH AVE SW GREAT FALLS, MT 59404 | AFLAC | $1 | — | $1 | — |
| JAMES PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | AFLAC | $1 | — | $1 | — |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 187 | $994K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 187 | $994K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 187 | $994K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $108K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $108K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $108K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.