| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JON R OVERACRE3 Filed as: JON CHANEY | 12 CADILLAC DRIVE SUITE 160 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $46K | — | $46K | 5.21% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST STE 1100, KANSAS CITY KANSAS CITY, MO 64112 | PRINCIPAL LIFE INSURANCE COMPANY | $26K | $3K | $29K | 14.55% |
| GARY W LOVELL3 Filed as: GARY LOVELL | PO BOX 90866 NASHVILLE, TN 37209 | AFLAC | $455 | — | $455 | 3.04% |
| PHYLLIS BRALY3 | PO BOX 327 PULASKI, TN 38478 | AFLAC | $368 | — | $368 | 2.46% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $258 | — | $258 | 1.73% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $258 | — | $258 | 1.73% |
| NOLAN MCCUE3 | 242 HERITAGE PARK DRIVE SUITE 108 MURFREESBORO, TN 37129 | AFLAC | $156 | — | $156 | 1.04% |
| DOC N REESE3 Filed as: DOC REESE | 702 NORTHVIEW CIRCLE LEBANON, TN 37087 | AFLAC | $109 | — | $109 | 0.73% |
| KELSEY EVERT3 | 2055 N MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $69 | — | $69 | 0.46% |
| BELINDA PICKEL3 | 113 WYNCREST CT HENDERSONVILLE, TN 37075 | AFLAC | $65 | — | $65 | 0.43% |
| BRENDA S SPEER3 Filed as: BRENDA SPEER | 445 S FORK BLUE CREEK ROAD LYNNVILLE, TN 38472 | AFLAC | $57 | — | $57 | 0.38% |
| THOMAS WILLIAMSON3 | 2055 N MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $56 | — | $56 | 0.37% |
| ALAN W FOSTER3 Filed as: ALAN FOSTER | 716 FRENCH RIVER ROAD NOLENSVILLE, TN 37135 | AFLAC | $43 | — | $43 | 0.29% |
| MARCIA WINTERBURN3 | PO BOX 327 PULASKI, TN 38478 | AFLAC | $38 | — | $38 | 0.25% |
| ABBY COFFMAN3 | 31 HAWTHORN CIRCLE CROSSVILLE, TN 38555 | AFLAC | $35 | — | $35 | 0.23% |
| SANDRA W HUGHES3 Filed as: SANDRA MURREY | PO BOX 327 PULASKI, TN 38478 | AFLAC | $25 | — | $25 | 0.17% |
| RONALD H RICHEY3 Filed as: RONALD RICHEY | 4499 MURFREESBORO ROAD FRANKLIN, TN 37067 | AFLAC | $20 | — | $20 | 0.13% |
| VBTN, INC3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $19 | — | $19 | 0.13% |
| THOMAS PITZENBERGER3 | 1501 SUGARLAND PARKWAY PLEASANT HILL, MO 64080 | AFLAC | $16 | — | $16 | 0.11% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BLVD BRENTWOOD, TN 37027 | AFLAC | $8 | — | $8 | 0.05% |
| JAY OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $7 | — | $7 | 0.05% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $3 | — | $3 | 0.02% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $3 | — | $3 | 0.02% |
| DAVID B RAY3 Filed as: DAVID RAY | 5122 STONEWOOD DRIVE SMYRNA, TN 37167 | 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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 298 | $884K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 346 | $202K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 346 | $202K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 346 | $202K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 346 | $202K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 346 | $202K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 346 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.