| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOBIE PHILLIPS3 | 315 S 2ND ST UNION CITY, TN 38261 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $50K | — | $50K | 5.35% |
| JOSHUA SMITH3 | 1945 SCOTTSVILLE RD STE 100 BOWLING GREEN, KY 42104 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $4K | — | $4K | 0.44% |
| WESTAN INSURANCE GROUP INC3 Filed as: WESTAN GROUP INS | 315 S 2ND ST UNION CITY, TN 38261 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 11.49% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS, LLC. | 1170 WILSON HALL RD SUMTER, SC 29150 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.28% |
| LORI R GRIZZELL3 | 1069 S HEWITT RD BOWLING GREEN, KY 42103 | AFLAC | $3K | $204 | $3K | 7.26% |
| KELLI LYNNE GOSSUM3 | P.O. BOX 154 WINGO, KY 42088 | AFLAC | $696 | — | $696 | 1.54% |
| CHARLES HARTHUN3 Filed as: CHARLES B HARTHUN | 408 S TIPTON ST COVINGTON, TN 38019 | AFLAC | $556 | $37 | $593 | 1.31% |
| STEVEN BREWER3 Filed as: STEVEN B BREWER | 715 PINE RIDGE RD LEXINGTON, TN 38351 | AFLAC | $434 | — | $434 | 0.96% |
| PRENTISS L BALLARD3 | 322 ALRINGTON AVE JACKSON, TN 38301 | AFLAC | $240 | $37 | $277 | 0.61% |
| SHIRLEY K GOSSUM3 | P.O. BOX 174 WINGO, KY 42088 | AFLAC | $253 | — | $253 | 0.56% |
| RONALD H GOSSUM3 | P.O. BOX 174 WINGO, KY 42088 | AFLAC | $241 | — | $241 | 0.53% |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOC INC | 220 N MAIN AVE STE G100 DYERSBURG, TN 38024 | AFLAC | $198 | — | $198 | 0.44% |
| FRANK ANTHONY LAIRD3 | 4365 WOODLAND HILL DR KEVIL, KY 42053 | AFLAC | $150 | — | $150 | 0.33% |
| ANGELA KAYE DOWDY3 | 18837 CANOEBROOK LN TONEY, AL 35773 | AFLAC | $136 | — | $136 | 0.30% |
| MATTHEW SMITH3 Filed as: MATTHEW A SMITH | 8452 FREDERICKSBURG RD SAN ANTONIO, TX 78229 | AFLAC | $117 | — | $117 | 0.26% |
| ROBERT G SPANN3 | 821 SHA WA CT MURRAY, KY 42071 | AFLAC | $109 | — | $109 | 0.24% |
| MATTHEW SMITH3 Filed as: MATTHEW A SMITH | 11829 OLDEGROVE PL TAMPA, FL 33617 | AFLAC | $101 | — | $101 | 0.22% |
| DEBORAH WALKER HULETTE3 | 115 CARRIAGE CV STE 201 EADS, TN 38028 | AFLAC | $96 | — | $96 | 0.21% |
| CODY BRIAN WHITEHEAD3 | 22 COTTON BLOSSOM CV JACKSON, TN 38305 | AFLAC | $93 | — | $93 | 0.21% |
| JASON BRINKMEYER3 | 4476 OLIVER CREEK CV ARLINGTON, TN 38002 | AFLAC | $80 | — | $80 | 0.18% |
| ARTHUR M PRIDDY3 | 214 LIBERTY RD JACKSON, TN 38305 | AFLAC | $76 | — | $76 | 0.17% |
| R AARON WRIGHT3 Filed as: R AARON WRIGTH | 9200 SHELBYVILLE ROAD LOUISVILLE, KY 40222 | AFLAC | $45 | — | $45 | 0.10% |
| CARLA T WITHERINGTON3 | 1405 HERRING DR COVINGTON, TN 38019 | AFLAC | $44 | — | $44 | 0.10% |
| C DANIEL BORLAND3 | 10471 PAUSCH RD LEESBURG, OH 45135 | AFLAC | $35 | — | $35 | 0.08% |
| LESLIE K KIMBROUGH3 | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $28 | — | $28 | 0.06% |
| VBTN, INC3 Filed as: VBTN, INC. | 2000 GLEN ECHO RD NASHVILLE, TN 37215 | AFLAC | $27 | — | $27 | 0.06% |
| BRIDGITT L OSWALT3 | 136 HICKORY HILL LN BENTON, KY 42025 | AFLAC | $25 | — | $25 | 0.06% |
| STEVEN D HILL3 Filed as: STEVEN DOUGLASS HILL | 389 CLAYPOOL BOYCE RD. ALVATON, KY 42122 | AFLAC | $22 | $3 | $25 | 0.06% |
| DAVID L KLEVAN3 | P.O. BOX 38219 GERMANTOWN, TN 38183 | AFLAC | $23 | — | $23 | 0.05% |
| MILTON E WUERTZ3 | 1017 BELMONT DRIVE DICKSON, TN 37055 | AFLAC | $21 | — | $21 | 0.05% |
| WILLIAM C BROWNING3 | 111 S HIGHLAND ST STE 107 MEMPHIS, TN 38111 | AFLAC | $21 | — | $21 | 0.05% |
| GARY W LOVELL3 | P.O. BOX 682146 FRANKLIN, TN 37068 | AFLAC | $20 | — | $20 | 0.04% |
| THERESA J SMITH3 | 3521 HURSTBOURNE RIDGE BLVD LOUISVILLE, KY 40299 | AFLAC | $20 | — | $20 | 0.04% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INS SVCS OF TN LLC | 480 OIL WELL RD JACKSON, TN 38305 | AFLAC | $18 | — | $18 | 0.04% |
| JERRY W WILLOUGHBY3 | 72 ROY CROW RD NEWBERN, TN 38059 | AFLAC | $17 | — | $17 | 0.04% |
| KENNETH R APPLE3 | 830 WILLOW TREE CIRCLE CORDOVA, TN 38018 | AFLAC | $16 | — | $16 | 0.04% |
| FSB INSURANCE INC3 | 460 OIL WELL RD JACKSON, TN 38305 | AFLAC | $15 | — | $15 | 0.03% |
| PHILIP D BLAKEMAN3 | 217 REMBRANDT DR ELIZABETHTOWN, KY 42701 | AFLAC | $12 | $3 | $15 | 0.03% |
| ROBERT L GOBLE3 | 1410 4TH STREET DR NW, UNIT 208 HICKORY, NC 28601 | AFLAC | $14 | — | $14 | 0.03% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BLVD BRENTWOOD, TN 37027 | AFLAC | $11 | — | $11 | 0.02% |
| CHERISE M WADE3 | 1931 HIGHWAY 90 W SEALY, TX 77474 | AFLAC | $11 | — | $11 | 0.02% |
| PHILLIP L DAGASTINO3 | 5301 PECAN GROVE LN MEMPHIS, TN 38120 | AFLAC | $10 | — | $10 | 0.02% |
| ELIZABETH KATHLEEN BLAIR3 | 352 HAWTHORNE RIDGE CIR DALLAS, GA 30132 | AFLAC | $9 | — | $9 | 0.02% |
| RONALD H RICHEY3 | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $9 | — | $9 | 0.02% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $9 | — | $9 | 0.02% |
| DENIS HARTIN3 | 3115 PHOENIX AVE OLDSMAR, FL 34677 | AFLAC | $9 | — | $9 | 0.02% |
| JAMES D STEPHENS3 | 26710 MANDRAKE FALLS CT KATY, TX 77494 | AFLAC | $9 | — | $9 | 0.02% |
| WILLIAM D HEYDEL3 | 109 N CASTLE HEIGHTS AVE LEBANON, TN 37087 | AFLAC | $9 | — | $9 | 0.02% |
| JAY S OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $8 | — | $8 | 0.02% |
| JOHN MARCUS HOPKINS3 | 725 KNOLLWOOD LN SAN DIMAS, CA 91773 | AFLAC | $8 | — | $8 | 0.02% |
| DONALD BURNETT3 Filed as: DONALD S BURNETT | 1136 HARTSVILLE PIKE GALLATIN, TN 37066 | AFLAC | $6 | — | $6 | 0.01% |
| CHRISTINE L EBY3 | 3210 TIZER DRIVE HELENA, MT 59602 | AFLAC | $6 | — | $6 | 0.01% |
| JOSHUA LEE JONES3 | 1307 CAMPANIA NEW BRAUNFELS, TX 78132 | AFLAC | $6 | — | $6 | 0.01% |
| MARIELLE J DOZIER3 | 594 GURNETT CREEK RD TOWNSEND, MT 59644 | AFLAC | $6 | — | $6 | 0.01% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $4 | — | $4 | 0.01% |
| TIMOTHY T TEAGUE3 | 5104 RUSSELL RD FRANKLIN, TN 37064 | AFLAC | $4 | — | $4 | 0.01% |
| KELLY M FLAHERTY SETTLE3 | P.O. BOX 495 CANYON CREEK, MT 59633 | AFLAC | $4 | — | $4 | 0.01% |
| CRUSER MARKETING INC3 Filed as: CRUSER MARKETING, INC. | 7516 BLUEBONNET BLVD 116 BATON ROUGE, LA 70810 | AFLAC | $4 | — | $4 | 0.01% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $4 | — | $4 | 0.01% |
| KELLY M FLAHERTY SETTLE3 | P.O. BOX 495 CANYON CREEK, MT 59633 | AFLAC | $4 | — | $4 | 0.01% |
| CRUSER MARKETING INC3 Filed as: CRUSER MARKETING, INC. | 7516 BLUEBONNET BLVD 116 BATON ROUGE, LA 70810 | AFLAC | $4 | — | $4 | 0.01% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $4 | — | $4 | 0.01% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO ROAD STE 204 NASHVILLE, TN 37215 | AFLAC | $4 | — | $4 | 0.01% |
| BRADLEY L ELLIS3 | 1500 BEVILLE RD STE 606 #327 DAYTONA BEACH, FL 32114 | AFLAC | $3 | — | $3 | 0.01% |
| TREVOR G NORENBERG3 | 4552 LAHINCH ST RAPID CITY, SD 57702 | AFLAC | $3 | — | $3 | 0.01% |
| DAWN A CHRISTENSEN3 | 24516 APPLE ST NEWHALL, CA 91321 | AFLAC | $3 | — | $3 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD F BROWN | 5150 BAY TOWN CONWAY, AR 72034 | AFLAC | $3 | — | $3 | 0.01% |
| AMY B CITRON3 | 1024 GRANADA AVE NASHVILLE, TN 37206 | AFLAC | $3 | — | $3 | 0.01% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $2 | — | $2 | 0.00% |
| ROGER MURRAY JOHNSON3 | 1926 TURNING WHEEL LN FRANKLIN, TN 37067 | AFLAC | $1 | — | $1 | 0.00% |
| KRISTIANNA J FLY3 | P.O. BOX 206 NORTH MIDDLETOWN, KY 40357 | AFLAC | $1 | — | $1 | 0.00% |
| CHARLES L CHANCELLOR3 | 903 WEATHERFORD DR BENTON, AR 72015 | AFLAC | $1 | — | $1 | 0.00% |
| PAMELA W EZZELL3 | 2947 CHERRYBARK CT HERMITAGE, TN 37076 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL L MCDONALD3 | 329 S EUCLID AVE OAK PARK, IL 60302 | AFLAC | $1 | — | $1 | 0.00% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DR STE 4 NEW LENOX, IL 60451 | AFLAC | $1 | — | $1 | 0.00% |
| LISA M HALL3 | 2542 E SUNDOWN DR COEUR D ALENE, ID 83815 | AFLAC | $1 | — | $1 | 0.00% |
| TAMI S GILL3 | 53 MICHELLE DR BRIGHTON, TN 38011 | AFLAC | $1 | — | $1 | 0.00% |
| TONYA SUE ELMORE3 Filed as: TONYA SUE EL MORE | 1930 HIGHWAY 71 E MANSFIELD, AR 72944 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL L MCDONALD3 | 329 S EUCLID AVE OAK PARK, IL 60302 | 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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 172 | $936K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 172 | $936K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 172 | $936K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 164 | $118K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 164 | $118K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 164 | $118K |
| Other | AFLAC | 65 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.