| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENJAMIN DARANG3 Filed as: BENJAMIN KELLY | 1900 N. WINSTON ROAD KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE | $39K | $0 | $39K | 6.27% |
| BENEFITS INC3 Filed as: BENEFITS INC. | P.O . BOX 568 DICKSON, TN 37056 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.60% |
| THE MATHIS-HILL-ROBERTSON AGENCY3 | 5040 ROSWELL ROAD SUITE 100 ATLANTA, GA 30342 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $108 | — | $108 | 0.15% |
| JOHN T ROBERTS3 Filed as: JOHN W. DUKES | 818 BELLWOOD DRIVE MARYVILLE, TN 37803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $476 | $0 | $476 | 1.84% |
| DEBBIE PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $453 | $19 | $472 | 1.82% |
| CLYDE P. MCFADDEN3 | 3322 WEST END AVENUE NASHVILLE, TN 37203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $397 | $0 | $397 | 1.53% |
| JOSEPH M TAMER3 Filed as: JOSEPH M. TAMER | 6500 PAPERMILL DRIVE KNOXVILLE, TN 37919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $186 | $0 | $186 | 0.72% |
| VICTORIA L FLYNN3 Filed as: VICTORIA L. FLYNN | 7009 FAIRVIEW ROAD CORRYTON, TN 37721 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $175 | $5 | $180 | 0.70% |
| VICKIE E LEWIS3 Filed as: VICKIE E. LEWIS | 6558 STOVALL ROAD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | $0 | $113 | 0.44% |
| DALE L. STROTHER & ASSOCIATES3 | P.O. BOX 1575 JOHNSON CITY, TN 37605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $89 | $0 | $89 | 0.34% |
| LERMAN VENTURES INC3 Filed as: LERMAN VENTURES, INC. | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $0 | $85 | 0.33% |
| SUSAN FONTANA FLYNN3 | 8814 EAGLE POINT DRIVE KNOXVILLE, TN 37931 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $8 | $66 | 0.25% |
| SHEILA A SHELL3 Filed as: SHEILA A. SHELL | 413 MOSS TRAIL GOODLETTSVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $3 | $44 | 0.17% |
| MARK HOLLAND3 | P.O. BOX 28266 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.03% |
| MICHAEL A DUARTE3 Filed as: MICHAEL DUARTE | 795 DANLEY ROAD CHARLOTTE, TN 37036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.03% |
| WIDENER INSURANCE AGENCY INC.3 Filed as: WIDENER INSURANCE AGENCY, INC. | 607 BAXTER STREET JOHNSON CITY, TN 37601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.03% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH N. MEACHAM | P.O. BOX 363 ANDERSONVILLE, TN 37705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.02% |
| ANDREW MURPHY3 | 4219 ALDERSHOT COURT D CHARLOTTE, NC 28211 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| STEVE HOLLEMAN3 | 400 E. CHATHAM STREET CARY, NC 27511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| MARY DAUGHERTY3 | 4639 WELLINGTON POINT LANE KNOXVILLE, TN 37938 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| CLYDE P. MCFADDEN3 | 3322 WEST END AVENUE, SUITE 810 NASHVILLE, TN 37203 | UNION SECURITY INSURANCE COMPANY | $2K | $0 | $2K | 7.67% |
| DIXON WELLS, INC.3 | 405 D TWO MILE PIKE GOODLETTSVILLE, TN 37072 | UNION SECURITY INSURANCE COMPANY | — | $1K | $1K | 5.50% |
| JOHN T ROBERTS3 Filed as: JOHN W. DUKES | 818 BELLWOOD DRIVE MARYVILLE, TN 37803 | ASSURITY LIFE INSURANCE | $267 | — | $267 | 1.20% |
| LL WHITTEN AND ASSOCIATES INC3 Filed as: LL WHITTEN & ASSOCIATES | P.O. BOX 1810 FLORENCE, AL 35631 | ASSURITY LIFE INSURANCE | $134 | — | $134 | 0.60% |
| CLYDE P. MCFADDEN3 Filed as: CLYDE PATTERSON MCFADDEN | 4524 CARLTON DRIVE NASHVILLE, TN 37215 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $934 | $0 | $934 | 10.00% |
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 | 115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE | 220 | $630K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 92 | $71K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 92 | $71K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $105K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 121 | $25K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 121 | $25K |
| Other(4 contracts, 4 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 125 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.