| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSHUA SMITH3 | 1945 SCOTTSVILLE RD STE 100 BOWLING GREEN, KY 42104 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $57K | — | $57K | 5.74% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 5905 E GALBRAITH RD CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 11.80% |
| LORI R GRIZZELL3 | 1069 S HEWITT RD BOWLING GREEN, KY 42103 | AFLAC | $3K | $116 | $3K | 6.79% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 2305 RIVER ROAD LOUISVILLE, KY 40206 | AFLAC | $1K | — | $1K | 2.94% |
| WILLIAM JONES3 | 958 COLLETT AVE STE 200 BOWLING GREEN, KY 42101 | AFLAC | $556 | $552 | $1K | 2.38% |
| KELLI LYNNE GOSSUM3 | P.O. BOX 154 WINGO, KY 42088 | AFLAC | $584 | — | $584 | 1.25% |
| CHARLES HARTHUN3 Filed as: CHARLES B HARTHUN | 408 S TIPTON ST COVINGTON, TN 38019 | AFLAC | $500 | $23 | $523 | 1.12% |
| AMERICA WILSON3 | 86A EAST HEIGHTS AVE BOWLING GREEN, KY 42101 | AFLAC | $275 | — | $275 | 0.59% |
| RONALD H GOSSUM3 | P.O. BOX 174 WINGO, KY 42088 | AFLAC | $223 | — | $223 | 0.48% |
| SHIRLEY K GOSSUM3 | P.O. BOX 174 WINGO, KY 42088 | AFLAC | $202 | — | $202 | 0.43% |
| STEVEN BREWER3 Filed as: STEVEN W BREWER | 1007 CHARIOT DR SODDY DAISY, TN 37379 | AFLAC | $183 | $9 | $192 | 0.41% |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOC INC | 220 N MAIN AVE STE G100 DYERSBURG, TN 38024 | AFLAC | $162 | — | $162 | 0.35% |
| PRENTISS L BALLARD3 | 322 ALRINGTON AVE JACKSON, TN 38301 | AFLAC | $138 | — | $138 | 0.30% |
| FRANK ANTHONY LAIRD3 | 4365 WOODLAND HILL DR KEVIL, KY 42053 | AFLAC | $123 | — | $123 | 0.26% |
| DARRYL J YOUNG3 | 3820 GOLD CITY ROAD FRANKLIN, KY 42134 | AFLAC | $114 | — | $114 | 0.24% |
| MATTHEW SMITH3 Filed as: MATTHEW A SMITH | 8452 FREDERICKSBURG RD SAN ANTONIO, TX 78229 | AFLAC | $112 | — | $112 | 0.24% |
| ANGELA KAYE DOWDY3 | 18837 CANOEBROOK LN TONEY, AL 35773 | AFLAC | $100 | — | $100 | 0.21% |
| STEVEN BREWER3 Filed as: STEVEN B BREWER | 715 PINE RIDGE RD LEXINGTON, TN 38351 | AFLAC | $86 | $14 | $100 | 0.21% |
| DEBORAH WALKER HULETTE3 | 115 CARRIAGE CV STE 201 EADS, TN 38028 | AFLAC | $87 | — | $87 | 0.19% |
| MATTHEW SMITH3 Filed as: MATTHEW A SMITH | 8805 SW 9TH STREET RD OCALA, FL 34481 | AFLAC | $80 | — | $80 | 0.17% |
| ROBERT G SPANN3 | 3940 COLEMAN CROSSING CIR 126 PADUCAH, KY 42001 | AFLAC | $76 | — | $76 | 0.16% |
| JASON BRINKMEYER3 | 4476 OLIVER CREEK CV ARLINGTON, TN 38002 | AFLAC | $70 | — | $70 | 0.15% |
| ARTHUR M PRIDDY3 | 214 LIBERTY RD JACKSON, TN 38305 | AFLAC | $67 | — | $67 | 0.14% |
| CODY BRIAN WHITEHEAD3 | 22 COTTON BLOSSOM CV JACKSON, TN 38305 | AFLAC | $61 | — | $61 | 0.13% |
| CARLA T WITHERINGTON3 | 1405 HERRING DR COVINGTON, TN 38019 | AFLAC | $40 | — | $40 | 0.09% |
| R AARON WRIGHT3 Filed as: R AARON WRIGTH | 9200 SHELBYVILLE ROAD LOUISVILLE, KY 40222 | AFLAC | $36 | — | $36 | 0.08% |
| STEVEN D HILL3 Filed as: STEVEN DOUGLASS HILL | 389 CLAYPOOL BOYCE RD. ALVATON, KY 42122 | AFLAC | $32 | — | $32 | 0.07% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INS SVCS OF TN LLC | 480 OIL WELL RD JACKSON, TN 38305 | AFLAC | $30 | — | $30 | 0.06% |
| C DANIEL BORLAND3 | 10471 PAUSCH RD LEESBURG, OH 45135 | AFLAC | $26 | — | $26 | 0.06% |
| BRIDGITT L OSWALT3 | 136 HICKORY HILL LN BENTON, KY 42025 | AFLAC | $25 | — | $25 | 0.05% |
| VBTN, INC3 Filed as: VBTN, INC. | 2000 GLEN ECHO RD NASHVILLE, TN 37215 | AFLAC | $24 | — | $24 | 0.05% |
| KENNETH R APPLE3 | 830 WILLOW TREE CIRCLE CORDOVA, TN 38018 | AFLAC | $24 | — | $24 | 0.05% |
| LESLIE K KIMBROUGH3 | P.O. BOX 273488 BOCA RATON, FL 33427 | AFLAC | $21 | — | $21 | 0.05% |
| DAVID L KLEVAN3 | P.O. BOX 38219 GERMANTOWN, TN 38183 | AFLAC | $19 | — | $19 | 0.04% |
| WILLIAM C BROWNING3 | 111 S HIGHLAND ST STE 107 MEMPHIS, TN 38111 | AFLAC | $19 | — | $19 | 0.04% |
| PHILIP D BLAKEMAN3 | 217 REMBRANDT DR ELIZABETHTOWN, KY 42701 | AFLAC | $17 | — | $17 | 0.04% |
| JERRY W WILLOUGHBY3 | 72 ROY CROW RD NEWBERN, TN 38059 | AFLAC | $15 | — | $15 | 0.03% |
| THERESA J SMITH3 | 18411 STANDWICK DR LOUISVILLE, KY 40245 | AFLAC | $13 | — | $13 | 0.03% |
| GARY W LOVELL3 | PO BOX 90866 NASHVILLE, TN 37209 | AFLAC | $11 | — | $11 | 0.02% |
| MILTON E WUERTZ3 | 1017 BELMONT DRIVE DICKSON, TN 37055 | AFLAC | $10 | — | $10 | 0.02% |
| ROBERT GOBLE3 | 250 34TH AVE NE HICKORY, NC 28601 | AFLAC | $10 | — | $10 | 0.02% |
| PHILLIP L DAGASTINO3 | 5301 PECAN GROVE LN MEMPHIS, TN 38120 | AFLAC | $9 | — | $9 | 0.02% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BLVD BRENTWOOD, TN 37027 | AFLAC | $8 | — | $8 | 0.02% |
| RONALD H RICHEY3 | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $8 | — | $8 | 0.02% |
| CLIFFORD FRANKLIN BROOKS3 | 9200 SHELBYVILLE RD STE 605 LOUISVILLE, KY 40222 | AFLAC | $8 | — | $8 | 0.02% |
| JAMES D STEPHENS3 | 26710 MANDRAKE FALLS CT KATY, TX 77494 | AFLAC | $8 | — | $8 | 0.02% |
| DENIS HARTIN3 | 3115 PHOENIX AVE OLDSMAR, FL 34677 | AFLAC | $7 | — | $7 | 0.02% |
| JAY S OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $7 | — | $7 | 0.02% |
| JOHN MARCUS HOPKINS3 | 725 KNOLLWOOD LN SAN DIMAS, CA 91773 | AFLAC | $7 | — | $7 | 0.02% |
| ELIZABETH KATHLEEN BLAIR3 | 10109 WOODHILL CT VILLA RICA, GA 30180 | AFLAC | $7 | — | $7 | 0.02% |
| GARY W LOVELL3 | P.O. BOX 682146 FRANKLIN, TN 37068 | AFLAC | $6 | — | $6 | 0.01% |
| JOSHUA LEE JONES3 | 1307 CAMPANIA NEW BRAUNFELS, TX 78132 | 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 | $3 | — | $3 | 0.01% |
| KEITH R MOORE3 | 135 WALNUT CREEK ROAD CORDOVA, TN 38018 | AFLAC | $3 | — | $3 | 0.01% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $3 | — | $3 | 0.01% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO ROAD STE 204 NASHVILLE, TN 37215 | AFLAC | $3 | — | $3 | 0.01% |
| BRADLEY L ELLIS3 | 1500 BEVILLE RD STE 606 #327 DAYTONA BEACH, FL 32114 | 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% |
| ROBERT L GOBLE3 | 1410 4TH STREET DR NW, UNIT 208 HICKORY, NC 28601 | AFLAC | $2 | — | $2 | 0.00% |
| AMY B CITRON3 | 1024 GRANADA AVE NASHVILLE, TN 37206 | AFLAC | $2 | — | $2 | 0.00% |
| JOSEPH L LEDOUX3 Filed as: JOSEPH L LEDOX | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $1 | — | $1 | 0.00% |
| ELIZABETH KATHLEEN BLAIR3 | 352 HAWTHORNE RIDGE CIR DALLAS, GA 30132 | 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% |
| TAMI S GILL3 | 53 MICHELLE DRIVE BRIGHTON, TN 38011 | AFLAC | $1 | — | $1 | 0.00% |
| TONYA SUE ELMORE3 | 1930 HIGHWAY 71 E MANSFIELD, AR 72944 | AFLAC | $1 | — | $1 | 0.00% |
| STACEY LYN CASTELLANETA3 | 276 MONTEREY DR STE 4 NEW LENOX, IL 60451 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL L MCDONALD3 | 329 S EUCLID AVE OAK PARK, IL 60302 | AFLAC | $1 | — | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOTAL ADMINISTRATIVE SERVICES CORP. EIN 39-1561025 NONE | Contract Administrator Service code 13 | — | $1K |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 176 | $997K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 176 | $997K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 176 | $997K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $51K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $51K |
| Other | AFLAC | 60 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.