| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREW RADER3 | 265 BROOKVIEW CENTRE WAY STE. 505 KNOXVILLE, TN 37919 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $70K | — | $70K | 2.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | USABLE LIFE | $30K | — | $30K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $20K | — | $20K | 10.01% |
| ELIZABETH E REEVES3 Filed as: ELIZABETH REEVES | 6148 LEE HWY STE 106B CHATTANOOGA, TN 37421 | AFLAC | $1K | $13 | $1K | 5.30% |
| MCINTIRE & ASSOCIATES3 | 355 FIRST STREET NW CLEVELAND, TN 37311 | AFLAC | $1K | — | $1K | 4.14% |
| CHRISTOPHER R MORRIS3 Filed as: CHRISTOPHER RICHARDSON | 1200 MOUNTAIN CREEK ROAD STE 102 CHATTANOOGA, TN 37405 | AFLAC | $828 | $3 | $831 | 3.11% |
| DANIEL MATHIS3 | 6477 BROOKMEAD CIR HIXSON, TN 37343 | AFLAC | $418 | — | $418 | 1.56% |
| WAYNE G MCMEEN3 Filed as: WAYNE MCMEEN | 7902 COVE RIDGE DRIVE HIXSON, TN 37343 | AFLAC | $351 | $3 | $354 | 1.32% |
| SHARON SESSOMS3 | 1431 ONEAL ROAD HIXSON, TN 37343 | AFLAC | $347 | — | $347 | 1.30% |
| ANDREW MULLINS3 | 1882 PRIGMORE ROAD EAST RIDGE, TN 37412 | AFLAC | $340 | — | $340 | 1.27% |
| ROBERT BLACKBURN3 | 1200 MOUNTAIN CREEK ROAD SUITE 102 CHATTANOOGA, TN 37405 | AFLAC | $75 | — | $75 | 0.28% |
| DENNIS W CAMDEN3 Filed as: DENNIS CAMDEN | 508 DEVONSHIRE DRIVE KOKOMO, IN 46901 | AFLAC | $59 | — | $59 | 0.22% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $40 | — | $40 | 0.15% |
| FRED WOMACK3 | 182 COUNTRY ROAD 578 ENGLEWOOD, TN 37329 | AFLAC | $40 | — | $40 | 0.15% |
| VBTN, INC3 Filed as: VBTN, INC. | 2000 GLEN ECHO ROAD STE 204 NASHVILLE, TN 37215 | AFLAC | $29 | $3 | $32 | 0.12% |
| ROBERT H MURRAY3 Filed as: ROBERT ALLEY | 3530 VERDIER BLVD UNIT 409 CHARLESTON, SC 29414 | AFLAC | $31 | — | $31 | 0.12% |
| RODNEY RUBERG3 | 2692 W MIAMI TRAIL MARION, IN 46952 | AFLAC | $28 | — | $28 | 0.10% |
| JEFFREY LUXENBERG3 | 307 LONGTREE LN LOGANSPORT, IN 46947 | AFLAC | $25 | — | $25 | 0.09% |
| DAVID J MCCLELLAN3 Filed as: DAVID KREMER | 2150 ASSOCIATION DRIVE STE 150 OKEMOS, MI 48864 | AFLAC | $25 | — | $25 | 0.09% |
| JOEL J CAPETZ3 | PO BOX 730 HARRISON, TN 37341 | AFLAC | $23 | — | $23 | 0.09% |
| DAVID L KLEVAN3 Filed as: DAVID KLEVAN | 2965 POPLAR GROVE LANE GERMANTOWN, TN 38139 | AFLAC | $22 | — | $22 | 0.08% |
| ABBIE W COFFMAN3 Filed as: ABBIE COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $21 | — | $21 | 0.08% |
| BRENT GOODE3 | 2000 GLEN ECHO ROAD STE 204 NASHVILLE, TN 37215 | AFLAC | $21 | — | $21 | 0.08% |
| ROBERT E SCHULZ3 Filed as: ROBERT SCHULZ | 827 MANCHESTER DRIVE CHATTANOOGA, TN 37415 | AFLAC | $18 | — | $18 | 0.07% |
| NAVILLE & ASSOCIATES3 | 14220 OVERBROOK DRIVE CARMEL, IN 46074 | AFLAC | $16 | — | $16 | 0.06% |
| JOHN F MOORE3 Filed as: JOHN MOORE | PO BOX 507 HIXSON, TN 37343 | AFLAC | $14 | — | $14 | 0.05% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $13 | — | $13 | 0.05% |
| HAZEN MIRTS3 | PO BOX 11687 KNOXVILLE, TN 37939 | AFLAC | $7 | — | $7 | 0.03% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BLVD BRENTWOOD, TN 37027 | AFLAC | $6 | — | $6 | 0.02% |
| LESLIE HEINSEN3 | 4416 VIA PALAGIO FAIR OAKS, CA 95628 | AFLAC | $4 | — | $4 | 0.01% |
| RONALD H RICHEY3 Filed as: RONALD RICHEY | 1023 LAURAWOOD LANE FRANKLIN, TN 37067 | AFLAC | $4 | — | $4 | 0.01% |
| WILLIAM D HEYDEL3 Filed as: WILLIAM HEYDEL | 109 N CASTLE HEIGHTS AVE LEBANON, TN 37087 | AFLAC | $4 | — | $4 | 0.01% |
| C SUE MCKENZIE3 | 20095 N TEALSTONE DRIVE SURPRISE, AZ 85374 | AFLAC | $3 | — | $3 | 0.01% |
| JAY OLEARY3 | 2000 GLEN ECHO ROAD STE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 0.00% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DRIVE ROCKVALE, TN 37153 | AFLAC | $1 | — | $1 | 0.00% |
| CARLA WITHERINGTON3 | 1405 HERRING DRIVE COVINGTON, TN 38019 | AFLAC | $1 | — | $1 | 0.00% |
| JOSEPH LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $1 | — | $1 | 0.00% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 350 E SHORT ST. NUMBER 416 LEXINGTON, KY 40507 | AFLAC | $1 | — | $1 | 0.00% |
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 | 553 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 569 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 892 | $3.4M |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 892 | $3.4M |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 892 | $3.4M |
| Life insurance | USABLE LIFE | 553 | $202K |
| Short-term disability | USABLE LIFE | 553 | $202K |
| Long-term disability | USABLE LIFE | 553 | $202K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 553 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 892 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.