| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JON P CHANEY3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | — | $42K | $42K | 3.01% |
| KENNETH L RIDEOUT3 | 12 CADILLAC DR STE 160 BRENTWOOD, TN 37027 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | — | $7K | $7K | 0.52% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | PRINCIPAL LIFE INSURANCE COMPANY | $42K | $3K | $45K | 10.39% |
| BENEFITS INC3 | 110 MATHIS DR DICKSON, TN 37055 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 3.18% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 0.82% |
| KANDI H HECKLER3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $900 | $6 | $906 | 5.59% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND IS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $598 | — | $598 | 3.69% |
| TIMOTHY CHAPPELL3 | 522 ROCK SPRINGS RD WATERTOWN, TN 37184 | AFLAC | $322 | $1 | $323 | 1.99% |
| GARY WADE LOVELL3 | 3901 WEST END AVE APT 704 NASHVILLE, TN 37205 | AFLAC | $315 | — | $315 | 1.94% |
| PHYLLIS SUE BRALY3 | 2671 FRANKLIN HAYES RD PULASKI, TN 38478 | AFLAC | $207 | — | $207 | 1.28% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $85 | — | $85 | 0.52% |
| DOC N REESE3 | 144 ANGELS COVE LN LEBANON, TN 37087 | AFLAC | $80 | — | $80 | 0.49% |
| DYLAN FRANCIS MONTEFORTE3 | 13 EAGLE NEST RD COLTS NECK, NJ 07722 | AFLAC | $67 | — | $67 | 0.41% |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $45 | — | $45 | 0.28% |
| THOMAS M WILLIAMSON3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $42 | — | $42 | 0.26% |
| ALAN W FOSTER3 | 716 FRENCH RIVER RD NOLENSVILLE, TN 37135 | AFLAC | $34 | — | $34 | 0.21% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIRCLE CROSSVILLE, TN 38555 | AFLAC | $31 | — | $31 | 0.19% |
| BELINDA B PICKEL3 | 113 WYNCREST CT HENDERSONVILLE, TN 37075 | AFLAC | $24 | — | $24 | 0.15% |
| RONALD H RICHEY3 | 4499 MURFREESBORO RD FRANKLIN, TN 37067 | AFLAC | $14 | — | $14 | 0.09% |
| SANDRA W HUGHES3 Filed as: SANDRA MURREY | PO BOX 327 PULASKI, TN 38478 | AFLAC | $13 | — | $13 | 0.08% |
| VBTN, INC3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $11 | — | $11 | 0.07% |
| BRENDA S SPEER3 | 445 S FORK BLUE CREEK RD LYNNVILLE, TN 38472 | AFLAC | $10 | — | $10 | 0.06% |
| THOMAS J PITZENBERGER3 | 1501 SUGARLAND PKWY PLEASANT HILL, MO 64080 | AFLAC | $7 | — | $7 | 0.04% |
| JAY S OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $4 | — | $4 | 0.02% |
| JOANNA G MATHERLY3 Filed as: JOANNA GRACE MATHERLY | 4581 MAJESTIC MEADOWS DR ARRINGTON, TN 37014 | AFLAC | $2 | — | $2 | 0.01% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $2 | — | $2 | 0.01% |
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 | 224 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC | 413 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 564 | $433K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 564 | $433K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 564 | $433K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 564 | $433K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 564 | $433K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 564 | $449K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 564 | — |
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.