| 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. | $57K | — | $57K | 5.39% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST STE 1100, KANSAS CITY KANSAS CITY, MO 64112 | PRINCIPAL LIFE INSURANCE COMPANY | $40K | $676 | $41K | 13.51% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 1.62% |
| GARY W LOVELL3 Filed as: GARY LOVELL | PO BOX 90866 NASHVILLE, TN 37209 | AFLAC | $347 | — | $347 | 2.95% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $216 | $36 | $252 | 2.15% |
| PHYLLIS BRALY3 | PO BOX 327 PULASKI, TN 38478 | AFLAC | $247 | — | $247 | 2.10% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $223 | — | $223 | 1.90% |
| NOLAN MCCUE3 | 242 HERITAGE PARK DRIVE SUITE 108 MURFREESBORO, TN 37129 | AFLAC | $121 | $9 | $130 | 1.11% |
| DOC N REESE3 Filed as: DOC REESE | 702 NORTHVIEW CIRCLE LEBANON, TN 37087 | AFLAC | $91 | — | $91 | 0.77% |
| BELINDA PICKEL3 | 113 WYNCREST CT HENDERSONVILLE, TN 37075 | AFLAC | $57 | $9 | $66 | 0.56% |
| KELSEY EVERT3 | 2055 N MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $49 | — | $49 | 0.42% |
| THOMAS WILLIAMSON3 | 2055 N MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $47 | — | $47 | 0.40% |
| ALAN W FOSTER3 Filed as: ALAN FOSTER | 716 FRENCH RIVER ROAD NOLENSVILLE, TN 37135 | AFLAC | $34 | — | $34 | 0.29% |
| ABBY COFFMAN3 | 31 HAWTHORN CIRCLE CROSSVILLE, TN 38555 | AFLAC | $31 | — | $31 | 0.26% |
| BRENDA S SPEER3 Filed as: BRENDA SPEER | 445 S FORK BLUE CREEK ROAD LYNNVILLE, TN 38472 | AFLAC | $26 | — | $26 | 0.22% |
| RONALD H RICHEY3 Filed as: RONALD RICHEY | 4499 MURFREESBORO ROAD FRANKLIN, TN 37067 | AFLAC | $16 | — | $16 | 0.14% |
| SANDRA W HUGHES3 Filed as: SANDRA MURREY | PO BOX 327 PULASKI, TN 38478 | AFLAC | $14 | — | $14 | 0.12% |
| MARCIA WINTERBURN3 | PO BOX 327 PULASKI, TN 38478 | AFLAC | $13 | — | $13 | 0.11% |
| VBTN, INC3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $13 | — | $13 | 0.11% |
| THOMAS PITZENBERGER3 | 1501 SUGARLAND PARKWAY PLEASANT HILL, MO 64080 | AFLAC | $8 | — | $8 | 0.07% |
| JAY OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $4 | — | $4 | 0.03% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BLVD BRENTWOOD, TN 37027 | AFLAC | $3 | — | $3 | 0.03% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $2 | — | $2 | 0.02% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $2 | — | $2 | 0.02% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 335 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 396 | $305K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 396 | $305K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 396 | $305K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 396 | $305K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 396 | $305K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 396 | $316K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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.