| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSHUA SMITH3 | 1945 SCOTTSVILLE ROAD, SUITE 100 BOWLING GREEN, KY 42104 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $59K | $0 | $59K | 5.69% |
| ASSUREDPARTNERS3 | 1945 SCOTTSVILLE ROAD, SUITE 100 BOWLING GREEN, KY 42104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 8.42% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNCATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $229 | $6K | 5.60% |
| LORI R GRIZZELL3 Filed as: LORI R. GRIZZELL | 1069 SOUTH HEWITT ROAD BOWLING GREEN, KY 42103 | AFLAC | $2K | $121 | $2K | 4.64% |
| MJ INSURANCE3 Filed as: STEVEN W. BREWER AND VARIOUS AGENTS | 1007 CHARIOT DRIVE SODDY DAISY, TN 37379 | AFLAC | $2K | $21 | $2K | 4.35% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | AFLAC | $538 | $0 | $538 | 1.24% |
| KELLI LYNNE GOSSUM3 | PO BOX 154 WINGO, KY 42088 | AFLAC | $482 | $0 | $482 | 1.11% |
| CHARLES HARTHUN3 Filed as: CHARLES BRYAN HARTHUN | 3790 FERNANDINA ROAD, SUITE 103 COLUMBIA, SC 29210 | AFLAC | $368 | $34 | $402 | 0.93% |
| WILLIAM JONES3 | 958 COLLETT AVENUE, SUITE 200 BOWLING GREEN, KY 42101 | AFLAC | $252 | $113 | $365 | 0.84% |
| RONALD H GOSSUM3 Filed as: RONALD H. GOSSUM | PO BOX 174 WINGO, KY 42088 | AFLAC | $195 | $0 | $195 | 0.45% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 173 | $1.0M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 173 | $1.0M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 173 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $151K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $108K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $108K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 158 | $151K |
| 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.