| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUSTIN MADISON3 Filed as: AUSTIN L MADISON | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $5K | $0 | $5K | 9.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3011 ARMORY DR NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 24.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3011 ARMORY DR NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 20.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3011 ARMORY DR NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 9.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3011 ARMORY DR NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $652 | $2K | 16.08% |
| BROWNIE D HALL3 | 321 W MAIN ST LEBANON, TN 37087 | AFLAC | $71 | $0 | $71 | 2.19% |
| CINDY R EICHOLTZ3 | 321 E BROADACRE RD NE DALTON, GA 30721 | AFLAC | $41 | $0 | $41 | 1.26% |
| JOSEPH FENNELL3 Filed as: JOSEPH HOUST ROBERTS | 2449 W CLAY DR LEBANON, TN 37087 | AFLAC | $34 | $0 | $34 | 1.05% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $31 | $0 | $31 | 0.95% |
| JUDY M BIRD3 | 1905 RICHLAND LN DALTON, GA 30720 | AFLAC | $21 | $0 | $21 | 0.65% |
| MIKE N SEWELL3 | 301 CLAYMORE DR HAMILTON, GA 31811 | AFLAC | $20 | $0 | $20 | 0.62% |
| JAMES C FARMER JR3 | 261 CRIMSON SKY CT DRIPPING SPRINGS, TX 78620 | AFLAC | $16 | $0 | $16 | 0.49% |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $15 | $0 | $15 | 0.46% |
| THW INSURANCE SERVICES LLC3 | 321 W MAIN ST LEBANON, TN 37087 | AFLAC | $13 | $0 | $13 | 0.40% |
| WILSON BANK & TRUST3 | PO BOX 768 LEBANON, TN 37088 | AFLAC | $13 | $0 | $13 | 0.40% |
| BILLY B COTTEN3 | 125 BLAIR LN LEBANON, TN 37087 | AFLAC | $13 | $0 | $13 | 0.40% |
| JERRY ALFORD3 | 40374 SW FOREST ROAD 181 BRISTOL, FL 32321 | AFLAC | $11 | $0 | $11 | 0.34% |
| EVERETT C BICKEL3 | 10447 SW 62ND CT OCALA, FL 34476 | AFLAC | $9 | $0 | $9 | 0.28% |
| RICK R THORNE3 | 321 W MAIN ST LEBANON, TN 37087 | AFLAC | $8 | $0 | $8 | 0.25% |
| CHRISTEN A CHASON3 | 40374 SW FOREST ROAD 181 BRISTOL, FL 32321 | AFLAC | $8 | $0 | $8 | 0.25% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $5 | $0 | $5 | 0.15% |
| JOHN H SEWELL3 | 1933 SHENANDOAH TRAIL LEBANON, TN 37087 | AFLAC | $4 | $0 | $4 | 0.12% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BLVD BRENTWOOD, TN 37087 | AFLAC | $3 | $0 | $3 | 0.09% |
| ASSURANCE AGENCY LTD3 Filed as: CHERRY ASSURANCE GROUP INC | 1425 PIEDMONT DR E STE 101B TALLAHASSEE, FL 32308 | AFLAC | $3 | $0 | $3 | 0.09% |
| DAVID C CLOUD JR3 | 12 TRENT DR SE ROME, GA 30161 | AFLAC | $3 | $0 | $3 | 0.09% |
| RONALD H RICHEY3 | 4499 MURFREESBORO RD FRANKLIN, TN 37067 | AFLAC | $3 | $0 | $3 | 0.09% |
| DEBORAH B SMITH3 | 647 WOOD POINT WAY DALLAS, GA 30157 | AFLAC | $2 | $0 | $2 | 0.06% |
| VBTN, INC3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37135 | AFLAC | $2 | $0 | $2 | 0.06% |
| JAY S OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $2 | $0 | $2 | 0.06% |
| GIVENS M PHILLIPS3 | 577 LOCK 5 RD LEBANON, TN 37087 | AFLAC | $1 | $0 | $1 | 0.03% |
| DAVID B RAY3 | 5122 STONEWOOD DR SMYRNA, TN 37167 | AFLAC | $1 | $0 | $1 | 0.03% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $1 | $0 | $1 | 0.03% |
| JOANNA G MATHERLY3 | 4581 MAJESTIC MEADOWS DR ARRINGTON, TN 37014 | AFLAC | $1 | $0 | $1 | 0.03% |
| KANDI H HECKLER3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $1 | $0 | $1 | 0.03% |
| GARY W LOVELL3 | PO BOX 90866 NASHVILLE, TN 37209 | AFLAC | $1 | $0 | $1 | 0.03% |
| BRIAN E HICKS3 | 2739 AMERICUS DR THOMPSONS STATION, TN 37179 | AFLAC | $0 | $0 | $0 | 0.00% |
| MATT STEINHAUER III3 | 100 YORKSHIRE CT HENDERSONVILLE, TN 37075 | AFLAC | $0 | $0 | $0 | 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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 280 | $56K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 280 | $56K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $43K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 75 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $22K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.