| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENJAMIN DARANG3 Filed as: BENJAMIN KELLY | 1900 N. WINSTON ROARD KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $43K | — | $43K | 5.38% |
| BENEFITS INC3 Filed as: BENEFITS INC. | P.O. BOX 568 DICKSON, TN 37056 | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 7.26% |
| THE MATHIS-HILL-ROBERTSON AGENCY3 | 5040 ROSWELL ROAD ATLANTA, GA 30342 | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | $97 | — | $97 | 0.13% |
| PEACHTREE PLANNING OF GEORGIA3 | 5040 ROSWELL ROAD ATLANTA, GA 30342 | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | $43 | — | $43 | 0.06% |
| CLYDE P. MCFADDEN3 Filed as: CLYDE PATTERSON MCFADDEN | 3322 W. END AVENUE SUITE 801 NASHVILLE, TN 37203 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 12.51% |
| DEBBIE PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $319 | — | $319 | 1.46% |
| JOHN T ROBERTS3 Filed as: JOHN W. DUKES | 818 BELLWOOD DRIVE MARYVILLE, TN 37803 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $300 | — | $300 | 1.37% |
| CLYDE P. MCFADDEN3 | 3322 WEST END AVENUE NASHVILLE, TN 37203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $273 | — | $273 | 1.25% |
| JOSEPH M TAMER3 Filed as: JOSEPH M. TAMER | 6500 PAPERMILL DRIVE KNOXVILLE, TN 37919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | — | $189 | 0.86% |
| VICTORIA L FLYNN3 Filed as: VICTORIA L. FLYNN | 7009 FAIRVIEW ROAD CORRYTON, TN 37721 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | 0.45% |
| VICKIE E LEWIS3 Filed as: VICKIE E. LEWIS | 6558 STOVALL ROAD CAVE CITY, KY 42127 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 0.38% |
| DALE L. STROTHER & ASSOCIATES3 | P.O. BOX 1575 JOHNSON CITY, TN 37605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.30% |
| LERMAN VENTURES INC3 Filed as: LERMAN VENTURES, INC. | 2985 SURREY RIDGE ROAD CLARKSVILLE, TN 37043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.29% |
| SUSAN FONTANA FLYNN3 | 8814 EAGLE POINT DRIVE KNOXVILLE, TN 37931 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.21% |
| SHEILA A SHELL3 Filed as: SHEILA A. SHELL | 413 MOSS TRAIL GOODLETTSVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.11% |
| WIDENER INSURANCE AGENCY INC.3 Filed as: WIDENER INSURANCE AGENCY, INC. | 607 BAXTER STREET JOHNSON CITY, TN 37601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.05% |
| SHARON SIMPSON MCCLENDON3 | 4207 TURKEY CREEK ROAD PLANT CITY, FL 33567 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.04% |
| MARK HOLLAND3 | P.O. BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH N. MEACHAM | P.O. BOX 363 ANDERSONVILLE, TN 37705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| STEVE HOLLEMAN3 | 400 E. CHATHAM STREET CARY, NC 27511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| MARY DAUGHERTY3 | 4639 WELLINGTON POINT LANE KNOXVILLE, TN 37938 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CLYDE P. MCFADDEN3 | 2820 SELWYN AVENUE SUITE 450 CHARLOTTE, NC 28209 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| JOHN T ROBERTS3 Filed as: JOHN W. DUKES | 818 BELLWOOD DRIVE MARYVILLE, TN 37803 | ASSURITY LIFE INSURANCE COMPANY | $340 | — | $340 | 15.01% |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 123 | $804K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 96 | $74K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 96 | $74K |
| Life insurance(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 123 | $137K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 123 | $53K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 123 | $31K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 123 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.