| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A LEVY3 | PO BOX 120 COLUMBIA, TN 38401 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $52K | — | $52K | 5.73% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 22.03% |
| AXA ASSISTANCE, USA3 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $41 | $41 | 0.03% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $7 | $7 | 0.00% |
| DAVID M CRUMLEY3 Filed as: DAVID E WATSON | PO BOX 3094 BRENTWOOD, TN 37024 | AFLAC | $8K | $827 | $9K | 10.62% |
| GARY A SPANRAFT3 | 58 GREENHEDGE CIRCLE DELAWARE, OH 43015 | AFLAC | $764 | $165 | $929 | 1.13% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 240 WILSON PIKE CIRCLE SUITE 200 BRENTWOOD, TN 37027 | AFLAC | $580 | $165 | $745 | 0.91% |
| DAVID M CRUMLEY3 | 240 WILSON PIKE CIRCLE SUITE 200 BRENTWOOD, TN 37027 | AFLAC | $724 | — | $724 | 0.88% |
| JAMES C FARMER JR3 | 641 OLD HICKORY BOULEVARD UNIT 60 BRENTWOOD, TN 37027 | AFLAC | $537 | — | $537 | 0.65% |
| BAKER BENEFITS CORP3 | 4219 HILLSBORO PIKE SUITE 213 NASHVILLE, TN 37215 | AFLAC | $512 | — | $512 | 0.62% |
| DAVID M CRUMLEY3 | 5111 MARYLAND WAY SUITE 210 BRENTWOOD, TN 37027 | AFLAC | $374 | — | $374 | 0.45% |
| HENRY J ROTH3 | 247 WEST MAIN STREET SUITE O HENDERSONVILLE, TN 37075 | AFLAC | $346 | — | $346 | 0.42% |
| CARTER L NELSON3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $298 | $47 | $345 | 0.42% |
| JON R OVERACRE3 | 10502 WEST 133RD TERRACE APARTMENT 107 OVERLAND PARK, KS 66123 | AFLAC | $171 | — | $171 | 0.21% |
| TAMMY F PRATER3 | 1422 PEELED CHESTNUT LANE SPARTA, TN 38583 | AFLAC | $132 | — | $132 | 0.16% |
| MICHAEL DAVIS3 Filed as: MICHAEL DAVID HAYNES | 1707 RICHBOURG PARK DRIVE BRENTWOOD, TN 37027 | AFLAC | $130 | — | $130 | 0.16% |
| WALTER N COFFMAN JR3 | 31 HAWTHORN CIRCLE CROSSVILLE, TN 38555 | AFLAC | $129 | — | $129 | 0.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WILLIAM GLENN BROWN JR | 6639 BROKEN BOW DRIVE ANTIOCH, TN 37013 | AFLAC | $98 | — | $98 | 0.12% |
| MARVIN LEE WILKERSON3 Filed as: MARVIN LEE WILDERSON | 884 HOLLY TREE GAP ROAD BRENTWOOD, TN 37027 | AFLAC | $94 | — | $94 | 0.11% |
| TINA MARIE ANGOTTI3 | 2626 NORTH CAMPBELL AVENUE TUCSON, AZ 85719 | AFLAC | $93 | — | $93 | 0.11% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIRCLE CROSSVILLE, TN 38555 | AFLAC | $82 | — | $82 | 0.10% |
| ANGELA LOUISE SMITH3 | 106 GREEN DRIVE JACKSON, MS 39211 | AFLAC | $75 | — | $75 | 0.09% |
| STACY S SCHMIDT3 | 3238 DEVAULT ROAD LOUISVILLE, TN 37777 | AFLAC | $71 | — | $71 | 0.09% |
| RONALD H RICHEY3 | 4023 LAURAWOOD LANE FRANKLIN, TN 37067 | AFLAC | $66 | — | $66 | 0.08% |
| JADEANNE WAGNER3 | 742 WILLOWSPRINGS BOULEVARD FRANKLIN, TN 37064 | AFLAC | $57 | — | $57 | 0.07% |
| DAVID W TINGLEY3 | 7903 ORIION CIRCLE UNIT 380 LAUREL, MD 20724 | AFLAC | $51 | — | $51 | 0.06% |
| GEORGE W HURST III3 | 7146 LAKEVIEW COURT BRENTWOOD, TN 37027 | AFLAC | $48 | — | $48 | 0.06% |
| WILLIAM WALTER FARRIS3 | 260 JOANN ROAD SOMERVILLE, TN 38068 | AFLAC | $46 | — | $46 | 0.06% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $46 | — | $46 | 0.06% |
| JOHN DALLAS BYERS3 | 2026 VALLEY BROOK DRIVE BRENTWOOD, TN 37027 | AFLAC | $44 | — | $44 | 0.05% |
| CRUSER MARKETING INC3 | 7516 BLUEBONNET BOULEVARD 116 BATON ROUGE, LA 70810 | AFLAC | $43 | — | $43 | 0.05% |
| MATTHEW W BOESHORE3 | 101 MONROE STREET APARTMENT 106 NASHVILLE, TN 37208 | AFLAC | $42 | — | $42 | 0.05% |
| BARBARA BATES-DICKEY3 | 1805 CLINCH PLACE OLD HICKORY, TN 37138 | AFLAC | $42 | — | $42 | 0.05% |
| CHRISTIAN ANDRE LEVERN3 | 109 MILLCREEK CORS SUITE D BRANDON, MS 37047 | AFLAC | $40 | — | $40 | 0.05% |
| JORDAN S SMITH3 | 240 WILSON PIKE CIRCLE SUITE 200 BRENTWOOD, TN 37027 | AFLAC | $37 | — | $37 | 0.04% |
| BRENDA S SPEER3 | PO BOX 327 PULASKI, TN 38478 | AFLAC | $35 | — | $35 | 0.04% |
| DOC N REESE3 | 830 CASTLE HEIGHTS AVENUE LEVANON, TN 37087 | AFLAC | $35 | — | $35 | 0.04% |
| GARY I HOLT3 | 7040 HIGHWAY 231 NORTH BETHPAGE, TN 37022 | AFLAC | $32 | — | $32 | 0.04% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $29 | — | $29 | 0.04% |
| ROBERT L GOBLE3 | 250 34TH AVENUE NORTHEAST HICKORY, NC 28601 | AFLAC | $29 | — | $29 | 0.04% |
| SUSAN KNIGHT INS SERV INC3 | 2703 OCEAN DRIVE SOUTH JACKSONVILLE BEACH, FL 32250 | AFLAC | $27 | — | $27 | 0.03% |
| MATTHEW W BOESHORE3 | 100 MADISON STREET APARTMENT 423 NASHVILLE, TN 37208 | AFLAC | $26 | — | $26 | 0.03% |
| JULIE L TEMPLETON3 | 709 HELMSDALE PLACE SOUTH BRENTWOOD, TN 37027 | AFLAC | $26 | — | $26 | 0.03% |
| VBTN, INC3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $25 | — | $25 | 0.03% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BOULEVARD BRENTWOOD, TN 37027 | AFLAC | $22 | — | $22 | 0.03% |
| THOMAS M WILLIAMSON3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $22 | — | $22 | 0.03% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 308 LAKE VILLAGE DRIVE MADISON, MS 39110 | AFLAC | $20 | — | $20 | 0.02% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $19 | — | $19 | 0.02% |
| LESLIE H SILTMAN3 | 207 MOORE DRIVE BATESVILLE, MS 38606 | AFLAC | $18 | — | $18 | 0.02% |
| DAVID L DACUS3 | 1416 RIVER PINE DRIVE COLLIERVILLE, TN 38017 | AFLAC | $15 | — | $15 | 0.02% |
| JAY S OLEARY3 | 1802 EAVES COURT NOLENSVILLE, TN 37135 | AFLAC | $14 | — | $14 | 0.02% |
| ROBERT M FUDGE3 | 2617 CHURCHILL DRIVE THOMPSONS STATION, TN 37179 | AFLAC | $13 | — | $13 | 0.02% |
| DANIEL E TORRES3 | 1750 FARMINGTON CIRCLE WELLINGTON, FL 33414 | AFLAC | $13 | — | $13 | 0.02% |
| KANDI M MCINTYRE3 | 2000 MALLORY LANE SUITE 130-378 FRANKLIN, TN 37067 | AFLAC | $12 | — | $12 | 0.01% |
| DAVID L DACUS3 | 9045 FOREST CENTRE DRIVE SUITE 101 GERMANTOWN, TN 38138 | AFLAC | $9 | — | $9 | 0.01% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD SUITE 214 COLUMBIA, MD 21044 | AFLAC | $9 | — | $9 | 0.01% |
| ROBERT L GOBLE3 | 1410 4TH STREET DRIVE NORTHWEST UNIT 208 HICKORY, NC 28601 | AFLAC | $9 | — | $9 | 0.01% |
| D AND V BUTLER INC3 | 105 LONG LEAF PLACE MADISON, MS 39110 | AFLAC | $7 | — | $7 | 0.01% |
| PAMELA W EZZELL3 | 2947 CHERRYBARK COURT HERMITAGE, TN 37076 | AFLAC | $7 | — | $7 | 0.01% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVENUE NASHVILLE, TN 37206 | AFLAC | $6 | — | $6 | 0.01% |
| FRAN C HARGARTEN III3 Filed as: FRAN C HARGERTEN III | 1140 MOSSY ROCK ROAD NORTHWEST KENNESAW, GA 30152 | AFLAC | $6 | — | $6 | 0.01% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $4 | — | $4 | 0.00% |
| JOANNA G MATHERLY3 | 200 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $4 | — | $4 | 0.00% |
| DAVID K MOBLEY3 | 3812 VALVERDE CIRCLE JACKSONVILLE, FL 32224 | AFLAC | $4 | — | $4 | 0.00% |
| AUTUMN BETHEA3 | 1053 MUNA COURT SPRING HILL, TN 37174 | AFLAC | $3 | — | $3 | 0.00% |
| KANDI H HECKLER3 | 5453 HASELL DRIVE ROCKVALE, TN 37153 | AFLAC | $3 | — | $3 | 0.00% |
| KIMBERLY MURRAY3 Filed as: KIMBERLY N MURRAY | 8530 WOODLANE DRIVE GERMANTOWN, TN 38138 | AFLAC | $2 | — | $2 | 0.00% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 601 CHRESCENT BOULEVARD SUITE 102 RIDGELAND, MS 39157 | AFLAC | $2 | — | $2 | 0.00% |
| RANDALL D LADNER3 | 6 GREENBRIAR DRIVE GULFPORT, MS 39507 | AFLAC | $2 | — | $2 | 0.00% |
| AMY B CITRON3 | 1024 GRANADA AVENUE NASHVILLE, TN 38206 | AFLAC | $2 | — | $2 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD F BROWN | 5150 BAY TOWN CONWAY, AR 72034 | AFLAC | $2 | — | $2 | 0.00% |
| J C ADAMS INC3 Filed as: JC ADAMS INC | 5631 NORTHEAST 31ST TERRACE OCALA, FL 34479 | AFLAC | $2 | — | $2 | 0.00% |
| JOEY C ADAMS3 | 317 NORTHEAST 36TH AVENUE SUITE 6 OCALA, FL 34470 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES M PITZ3 | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $1 | — | $1 | 0.00% |
| TAMI S GILL3 | 53 MKICHELLE DRIVE BRIGHTON, TN 38011 | AFLAC | $1 | — | $1 | 0.00% |
| TONYA SUE ELMORE3 | 1930 HIGHWAY 71 EAST MANSFIELD, AR 72944 | AFLAC | $1 | — | $1 | 0.00% |
| J DAVID BUTLER3 | 404 A W PARKWAY PLACE RIDGELAND, MS 39157 | AFLAC | $1 | — | $1 | 0.00% |
| CARLA T WITHERINGTON3 | 1405 HERRING DRIVE COVINGTON, TN 38019 | AFLAC | $1 | — | $1 | 0.00% |
| CHARLES L CHANCELLOR3 | 90 WEATHERFORD DRIVE BENTON, AR 72015 | AFLAC | $1 | — | $1 | 0.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $916 | — | $916 | 8.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TX HWY STE 125 AUSTIN, TN 78446 | PRINCIPAL LIFE INSURANCE COMPANY | $330 | — | $330 | 3.00% |
| PARADIGM GROUP3 | 1600 DIVISION STREET STE 220 NASHVILLE, TN 37203 | PRINCIPAL LIFE INSURANCE COMPANY | $176 | — | $176 | 1.60% |
| ENROLLEASE4 Filed as: DIGITAL INSURANCE INS | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $119 | — | $119 | 2.24% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 275 | $916K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 275 | $916K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 275 | $916K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 147 | $146K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 147 | $146K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 147 | $157K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 147 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.