| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOBIE PHILLIPS3 | 315 SOUTH SECOND STREET UNION CITY, TN 38261 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $59K | — | $59K | 5.65% |
| 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 | 13.76% |
| LORI R GRIZZELL3 | 1069 SOUTH HEWITT ROAD BOWLING GREEN, KY 42103 | AFLAC | $3K | $116 | $3K | 7.48% |
| KELLI LYNNE GOSSUM3 | PO BOX 154 WINGO, KY 42088 | AFLAC | $679 | — | $679 | 1.68% |
| PRENTISS L BALLARD3 | 322 ARLINGTON AVENUE JACKSON, TN 38301 | AFLAC | $420 | $3 | $423 | 1.05% |
| SHIRLEY K GOSSUM3 | PO BOX 174 WINGO, KY 42088 | AFLAC | $342 | — | $342 | 0.85% |
| CHARLES HARTHUN3 Filed as: CHARLES B HARTHUN | 1577 LAWSON ROAD CROSSVILLE, TN 38571 | AFLAC | $307 | $3 | $310 | 0.77% |
| RONALD H GOSSUM3 | PO BOX 174 WINGO, KY 42088 | AFLAC | $297 | — | $297 | 0.73% |
| MATTHEW SMITH3 | 8313 WEST HILLSBOROUGH AVENUE SUITE 150 TAMPA, FL 33615 | AFLAC | $204 | — | $204 | 0.50% |
| CHARLES HARTHUN3 Filed as: CHARLES B HARTHUN | 1577 LAWSON ROAD CROSSVILLE, TN 38571 | AFLAC | $166 | $20 | $186 | 0.46% |
| FRANK ANTHONY LAIRD3 | 222 KENTUCKY AVENUE SUITE 3 PADUCAH, KY 42003 | AFLAC | $142 | — | $142 | 0.35% |
| ANGELA KAYE DOWDY3 | 18837 CANOEBROOK LANE TONEY, AL 35773 | AFLAC | $136 | — | $136 | 0.34% |
| CODY BRIAN WHITEHEAD3 | 22 COTTON BLOSSOM CV JACKSON, TN 38305 | AFLAC | $94 | $20 | $114 | 0.28% |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOCIATES INC | 220 NORTH MAIN STREET SUITE G-100 DYERSBURG, TN 38024 | AFLAC | $108 | — | $108 | 0.27% |
| ROBERT G SPANN3 | 821 SHA WA COURT MURRAY, KY 42071 | AFLAC | $96 | — | $96 | 0.24% |
| STEVEN BREWER3 Filed as: STEVEN W BREWER | 715 PINE RIDGE ROAD LEXINGTON, TN 38351 | AFLAC | $93 | — | $93 | 0.23% |
| ARTHUR M PRIDDY3 | 436 W GRAND STREET JACKSON, TN 38301 | AFLAC | $75 | — | $75 | 0.19% |
| JASON BRINKMEYER3 | 4476 OLIVER CREEK CV ARLINGTON, TN 38002 | AFLAC | $54 | — | $54 | 0.13% |
| C DANIEL BORLAND3 | 10471 PAUSCH ROAD LEESBURG, OH 45135 | AFLAC | $47 | — | $47 | 0.12% |
| STEVEN D HILL3 Filed as: STEVEN DOUGLAS HILL | 389 CLAYPOOL BOYCE ROAD ALVATON, KY 42122 | AFLAC | $42 | — | $42 | 0.10% |
| R AARON WRIGHT3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $42 | — | $42 | 0.10% |
| CARLA T WITHERINGTON3 | 1405 HERRING DRIVE COVINGTON, TN 38019 | AFLAC | $37 | — | $37 | 0.09% |
| THERESA J SMITH3 | 3521 HURSTBOURNE RIDGE BOULEVARD LOUISVILLE, KY 40299 | AFLAC | $33 | — | $33 | 0.08% |
| LESLIE K KIMBROUGH3 | PO BOX 23488 BOCA RATON, FL 33427 | AFLAC | $32 | — | $32 | 0.08% |
| VBTN, INC3 Filed as: VBTN INC | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $29 | — | $29 | 0.07% |
| DAVID L DACUS3 | 9045 FOREST CENTRE DRIVE SUITE 101 GERMANTOWN, TN 38138 | AFLAC | $29 | — | $29 | 0.07% |
| BRIDGITT L OSWALT3 | 136 HICKORY HILL LANE BENTON, KY 42025 | AFLAC | $28 | — | $28 | 0.07% |
| WILLIAM C BROWNING3 | 111 SOUTH HIGHLAND STREET SUITE 107 MEMPHIS, TN 38111 | AFLAC | $28 | — | $28 | 0.07% |
| PHILLIP D BLAKEMAN3 | 217 REMBRANDT DRIVE ELIZABETHTOWN, KY 42701 | AFLAC | $27 | — | $27 | 0.07% |
| GARY W LOVELL3 | PO BOX 682146 FRANKLIN, TN 37068 | AFLAC | $26 | — | $26 | 0.06% |
| CHRISTINE L EBY3 | 3210 TIZER DRIVE HELENA, MT 59602 | AFLAC | $22 | — | $22 | 0.05% |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOCIATES INC | 220 NORTH MAIN AVENUE SUITE G100 DYERSBURG, TN 38024 | AFLAC | $22 | — | $22 | 0.05% |
| MARIELLE J DOZIER3 | 594 BOURNE HOLLOW CV ARLINGTON, TN 38002 | AFLAC | $21 | — | $21 | 0.05% |
| JASON BRINKMEYER3 | 4823 BOURNE HOLLOW CV ARLINGTON, TN 38002 | AFLAC | $20 | — | $20 | 0.05% |
| DAVID L KLEVAN3 | PO BOX 38219 GERMANTOWN, TN 38183 | AFLAC | $20 | — | $20 | 0.05% |
| DEBORAH WALKER HULETTE3 | 115 CARRIAGE CV SUITE 201 EADS, TN 38028 | AFLAC | $18 | — | $18 | 0.04% |
| MILTON E WUERTZ3 | 1017 BELMONT DRIVE DICKSON, TN 37055 | AFLAC | $17 | — | $17 | 0.04% |
| KELLY M FLAHERTY SETTLE3 | PO BOX 495 CANYON CREEK, MT 59633 | AFLAC | $16 | — | $16 | 0.04% |
| ROBERT L GOBLE3 | 1410 4TH STREET DRIVE NORTHWEST UNIT 208 HICKORY, NC 28601 | AFLAC | $14 | — | $14 | 0.03% |
| JERRY W WILLOUGHBY3 | 72 ROY CROW ROAD NEWBERN, TN 38059 | AFLAC | $14 | — | $14 | 0.03% |
| TREVOR G NORENBERG3 | 6529 SAHALEE COURT RAPID CITY, SD 57702 | AFLAC | $12 | — | $12 | 0.03% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BOULEVARD BRENTWOOD, TN 37027 | AFLAC | $10 | — | $10 | 0.02% |
| TIMOTHY T TEAGUE3 | 5104 RUSSELL ROAD FRANKLIN, TN 37064 | AFLAC | $10 | — | $10 | 0.02% |
| WILLIAM D HEYDEL3 | 109 NORTH CASTLE HEIGHTS AVENUE LEBONON, TN 37087 | AFLAC | $9 | — | $9 | 0.02% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE ROAD SUITE 605 LOUISVILLE, KY 40222 | AFLAC | $9 | — | $9 | 0.02% |
| PHILLIP L DAGASTINO3 | 5301 PECAN GROVE LANE MEMPHIS, TN 38120 | AFLAC | $8 | — | $8 | 0.02% |
| DENNIS HARTIN3 | 3115 PHOENIX AVENUE OLDSMAR, FL 34677 | AFLAC | $8 | — | $8 | 0.02% |
| JAY S OLEARY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $8 | — | $8 | 0.02% |
| ELIZABETH KATHLEEN SIKES3 | 352 HAWTHORNE RIDGE CIRCLE DALLAS, GA 30132 | AFLAC | $8 | — | $8 | 0.02% |
| RONALD H RICHEY3 | 4023 LAURAWOOD LANE FRANKLIN, TN 37067 | AFLAC | $7 | — | $7 | 0.02% |
| DONALD BURNETT3 Filed as: DONALD S BURNETT | 1136 HARTSVILLE PIKE GALLATIN, TN 37066 | AFLAC | $7 | — | $7 | 0.02% |
| JOHN MARCUS HOPKINS3 | 725 KNOLLWOOD LANE SAN DIMAS, CA 91773 | AFLAC | $6 | — | $6 | 0.01% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $5 | — | $5 | 0.01% |
| JOSHUA LEE JONES3 | 1307 CAMPANIA NEW BRAUNFELS, TX 78132 | AFLAC | $5 | — | $5 | 0.01% |
| BRADLEY L ELLIS3 | 1500 BEVILLE ROAD SUITE 606, #327 DAYTONA BEACH, FL 32114 | AFLAC | $4 | — | $4 | 0.01% |
| LISA M HALL3 | 2542 EAST SUNDOWN DRIVE COEUR D ALENE, ID 83815 | AFLAC | $4 | — | $4 | 0.01% |
| CRUSER MARKETING INC3 | 7516 BLUEBONNET BOULEVARD SUITE 116 BATON ROUGE, LA 70810 | AFLAC | $4 | — | $4 | 0.01% |
| TERRY R LOWERY3 | 5320 SPRING RIDGE DRIVE EAST MACUNGIE, PA 18062 | AFLAC | $4 | — | $4 | 0.01% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $4 | — | $4 | 0.01% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $4 | — | $4 | 0.01% |
| GREG GRIFFITH3 Filed as: GREG W GRIFFITH | 393 TENNESSEE STREET APARTMENT 1 MEMPHIS, TN 38103 | AFLAC | $4 | — | $4 | 0.01% |
| DAWN A CHRISTENSEN3 | 24516 APPLE STREET NEWHALL, CA 91321 | AFLAC | $3 | — | $3 | 0.01% |
| KEITH R MOORE3 | 135 WALNUT CREEK ROAD CORDOVA, TN 38018 | AFLAC | $3 | — | $3 | 0.01% |
| AMY B CITRON3 | 1024 GRANADA AVENUE NASHVILLE, TN 37206 | AFLAC | $3 | — | $3 | 0.01% |
| KATHERINE B MARCUM3 | 46 EAST HOLLEY STREET PARSONS, TN 38363 | AFLAC | $2 | — | $2 | 0.00% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVENUE NASHVILLE, TN 37206 | AFLAC | $2 | — | $2 | 0.00% |
| DANIEL E TORRES3 | 1750 FRAMINGTON CIRCLE WELLINGTON, FL 33414 | AFLAC | $2 | — | $2 | 0.00% |
| DANNY L WILLIAMS3 | 18 PECAN CIRCLE JACKSON, TN 38301 | AFLAC | $2 | — | $2 | 0.00% |
| PAMELA W EZZELL3 | 4066 HIGHLAND RIDGE ROAD BIRMINGHAM, AL 35242 | AFLAC | $1 | — | $1 | 0.00% |
| KRISTIANNA J FLY3 | PO BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $1 | — | $1 | 0.00% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DRIVE SUITE 4 NEW LENOX, IL 60451 | AFLAC | $1 | — | $1 | 0.00% |
| HOWARD EATON3 | 1377 CARMONY STREET COLLIERVILLE, TN 38017 | AFLAC | $1 | — | $1 | 0.00% |
| CRAIG MICHELSEN3 | 1228 25TH AVENUE SOUTHWEST GREAT FALLS, MT 59404 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DRIVE BOZEMAN, MT 59718 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL L MCDONALD3 | 329 SOUTH EUCLID AVENUE OAK PARK, IL 60302 | AFLAC | $1 | — | $1 | 0.00% |
| ROGER MURRAY JOHNSON3 | 1926 TURNING WHEEL LANE FRANKLIN, TN 37067 | 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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 183 | $1.1M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 183 | $1.1M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 183 | $1.1M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 161 | $113K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 161 | $113K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 161 | $113K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 161 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.