| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT A LEVY3 | 1600 DIVISION STREET SUITE 420 NASHVILLE, TN 37203 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $62K | — | $62K | 5.48% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 15.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.05% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $28 | $28 | 0.02% |
| DAVID M CRUMLEY3 Filed as: DAVID E WATSON | PO BOX 3094 BRENTWOOD, TN 37024 | AFLAC | $4K | $218 | $4K | 6.53% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 240 WILSON PIKE CIRCLE SUITE 200 BRENTWOOD, TN 37027 | AFLAC | $578 | $43 | $621 | 0.97% |
| GARY A SPANRAFT3 | 129 LIPPAZON WAY DELAWARE, OH 43015 | AFLAC | $493 | — | $493 | 0.77% |
| BAKER BENEFITS CORP3 | 4219 HILLSBORO PIKE SUITE 213 NASHVILLE, TN 37215 | AFLAC | $458 | — | $458 | 0.72% |
| HENRY J ROTH3 | 297 NEW SHACKLE ISLAND ROAD HENDERSONVILLE, TN 37075 | AFLAC | $267 | — | $267 | 0.42% |
| DAVID M CRUMLEY3 | 5111 MARYLAND WAY SUITE 210 BRENTWOOD, TN 37027 | AFLAC | $245 | — | $245 | 0.38% |
| JON R OVERACRE3 | 10502 WEST 133RD TERRACE APARTMENT 107 OVERLAND PARK, KS 66213 | AFLAC | $132 | — | $132 | 0.21% |
| JAMES C FARMER JR3 | 641 OLD HICKORY BOULEVARD UNIT 60 BRENTWOOD, TN 37027 | AFLAC | $87 | $43 | $130 | 0.20% |
| WALTER N COFFMAN JR3 | 31 HAWTHORN CIRCLE CROSSVILLE, TN 38555 | AFLAC | $115 | — | $115 | 0.18% |
| MICHAEL DAVIS3 Filed as: MICHAEL DAVID HAYNES | 1707 RICHBOURG PARK DRIVE BRENTWOOD, TN 37027 | AFLAC | $108 | — | $108 | 0.17% |
| JORDAN S SMITH3 | 240 WILSON PIKE CIRCLE SUITE 200 BRENTWOOD, TN 37027 | AFLAC | $104 | — | $104 | 0.16% |
| MARVIN LEE WILKERSON3 | 884 HOLLY TREE GAP ROAD BRENTWOOD, TN 37027 | AFLAC | $87 | — | $87 | 0.14% |
| TINA MARIE ANGOTTI3 | 2626 NORTH CAMPBELL AVENUE TUCSON, AZ 85719 | AFLAC | $86 | — | $86 | 0.13% |
| CARTER L NELSON3 | 10307 HARRISON SPRINGS LANE KNOXVILLE, TN 37932 | AFLAC | $48 | $26 | $74 | 0.12% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIRCLE CROSSVILLE, TN 38555 | AFLAC | $72 | — | $72 | 0.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WILLIAM GLENN BROWN JR | 6639 BROKEN BOW DRIVE ANTIOCH, TN 37013 | AFLAC | $70 | — | $70 | 0.11% |
| MATTHEW W BOESHORE3 | 101 MONROE STREET APARTMENT 106 NASHVILLE, TN 37208 | AFLAC | $63 | — | $63 | 0.10% |
| RONALD H RICHEY3 | 4499 MURFREESBORO ROAD FRANKLIN, TN 37067 | AFLAC | $61 | — | $61 | 0.10% |
| JADEANNE WAGNER3 | 742 WILLOWSPRINGS BOULEVARD FRANKLIN, TN 37064 | AFLAC | $53 | — | $53 | 0.08% |
| DAVID W TINGLEY3 | 7903 ORION CIRCLE UNIT 380 LAUREL, MD 20724 | AFLAC | $47 | — | $47 | 0.07% |
| GEORGE W HURST III3 | 7146 LAKEVIEW COURT BRENTWOOD, TN 37027 | AFLAC | $44 | — | $44 | 0.07% |
| WILLIAM WALTER FARRIS3 | PO BOX 120 EADS, TN 38028 | AFLAC | $42 | — | $42 | 0.07% |
| JOHN DALLAS BYERS3 | 2026 VALLEY BROOK DRIVE BRENTWOOD, TN 37027 | AFLAC | $40 | — | $40 | 0.06% |
| CRUSER MARKETING INC3 | 7516 BLUEBONNET BOULEVARD SUITE 116 BATON ROUGE, LA 70810 | AFLAC | $40 | — | $40 | 0.06% |
| BARBARA BATES-DICKEY3 | 1805 CLINCH PLACE OLD HICKORY, TN 37138 | AFLAC | $39 | — | $39 | 0.06% |
| ROBERT L GOBLE3 | 250 34TH AVENUE NORTHEAST HICKORY, NC 28601 | AFLAC | $35 | — | $35 | 0.05% |
| BRENDA S SPEER3 | PO BOX 327 PULASKI, TN 38478 | AFLAC | $32 | — | $32 | 0.05% |
| STACY S SCHMIDT3 | 2639 WEST OLD TOPSIDE ROAD LOUISVILLE, TN 37777 | AFLAC | $25 | $5 | $30 | 0.05% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $27 | — | $27 | 0.04% |
| JULIE L TEMPLETON3 | 709 HELMSDALE PLACE SOUTH BRENTWOOD, TN 37027 | AFLAC | $24 | — | $24 | 0.04% |
| DAVID L DACUS3 | 1416 RIVER PINE DRIVE COLLIERVILLE, TN 38017 | AFLAC | $23 | — | $23 | 0.04% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BOULEVARD BRENTWOOD, TN 37027 | AFLAC | $20 | — | $20 | 0.03% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $18 | — | $18 | 0.03% |
| TAMMY F PRATER3 | 1422 PEELED CHESTNUT LANE SPARTA, TN 38583 | AFLAC | $10 | $8 | $18 | 0.03% |
| VBTN, INC3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $17 | — | $17 | 0.03% |
| GARY I HOLT3 | 7040 HIGHWAY 231 NORTH BETHPAGE, TN 37022 | AFLAC | $17 | — | $17 | 0.03% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $12 | $5 | $17 | 0.03% |
| LESLIE H SILTMAN3 | 207 MOORE DRIVE BATESVILLE, MS 38606 | AFLAC | $16 | — | $16 | 0.03% |
| ANGELA LOUISE SMITH3 | 1220 EAST NORTHSIDE DRIVE SUITE 170-1948 JACKSON, MS 39211 | AFLAC | $12 | — | $12 | 0.02% |
| ROBERT M FUDGE3 | 2617 CHURCHILL DRIVE THOMPSONS STATION, TN 37179 | AFLAC | $12 | — | $12 | 0.02% |
| DANIEL E TORRES3 | 1750 FARMINGTON CIRCLE WELLINGTON, FL 33414 | AFLAC | $11 | — | $11 | 0.02% |
| KANDI M MCINTYRE3 | 2000 MALLORY LANE SUITE 130-378 FRANKLIN, TN 37067 | AFLAC | $11 | — | $11 | 0.02% |
| JAY S OLEARY3 | 1808 EAVES COURT NOLENSVILLE, TN 37135 | AFLAC | $10 | — | $10 | 0.02% |
| KENNETH B COFER3 | 5950 SYMPHONY WOOD ROAD SUITE 214 COLUMBIA, MD 21044 | AFLAC | $8 | — | $8 | 0.01% |
| DOC N REESE3 | 830 CASTLE HEIGHTS AVENUE LEBANON, TN 37087 | AFLAC | $6 | $2 | $8 | 0.01% |
| CHRISTIAN ANDRE LEVERN3 | 1929 SPILLWAY ROAD SUITE D BRANDON, MS 39047 | AFLAC | $6 | — | $6 | 0.01% |
| PAMELA W EZZELL3 | 2947 CHERRYBARK COURT HERMITAGE, TN 37076 | AFLAC | $6 | — | $6 | 0.01% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVENUE NASHVILLE, TN 37206 | AFLAC | $6 | — | $6 | 0.01% |
| THOMAS M WILLIAMSON3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $3 | $2 | $5 | 0.01% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 308 LAKE VILLAGE DRIVE MADISON, MS 39110 | AFLAC | $3 | — | $3 | 0.00% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $3 | — | $3 | 0.00% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $3 | — | $3 | 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% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD F BROWN | 5150 BAY TOWN CONWAY, AR 72034 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES M PITZ3 | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES M PITZ3 | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES M PITZ3 | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES M PITZ3 | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES M PITZ3 | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES M PITZ3 | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES M PITZ3 | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES M PITZ3 | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $1 | — | $1 | 0.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $871 | — | $871 | 9.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 125 AUSTIN, TN 78446 | PRINCIPAL LIFE INSURANCE COMPANY | $265 | — | $265 | 2.80% |
| ENROLLEASE4 Filed as: DIGITAL INSURANCE INS | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $475 | — | $475 | 7.24% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 117 | $1.1M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 117 | $1.1M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 117 | $1.1M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 140 | $141K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 140 | $141K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 140 | $151K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 140 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.