| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $54K | $3K | $58K | 14.40% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $25K | $7K | $31K | 19.01% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $23 | $23 | 0.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $1K | $7K | 8.30% |
| DAVID M CRUMLEY3 Filed as: DAVID E WATSON | PO BOX 3094 BRENTWOOD, TN 37024 | AFLAC | $7K | $415 | $7K | 10.08% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 132 SEDONA WOODS TRAIL NOLENSVILLE, TN 37135 | AFLAC | $2K | $97 | $2K | 2.50% |
| JORDAN S SMITH3 | 240 WILSON PIKE CIRCLE SUITE 200 BRENTWOOD, TN 37027 | AFLAC | $751 | $97 | $848 | 1.21% |
| GARY A SPANRAFT3 | 2031 SOLOMON SQUARE DELAWARE, OH 43015 | AFLAC | $431 | — | $431 | 0.62% |
| BAKER BENEFITS CORP3 | 4219 HILLSBORO PIKE SUITE 213 NASHVILLE, TN 37215 | AFLAC | $357 | — | $357 | 0.51% |
| HENRY J ROTH3 | 297 NEW SHACKLE ISLAND ROAD HENDERSONVILLE, TN 37075 | AFLAC | $192 | — | $192 | 0.27% |
| MICHAEL DAVIS3 Filed as: MICHAEL HAYNES | 1707 RICHBOURG PARK DRIVE BRENTWOOD, TN 37027 | AFLAC | $108 | — | $108 | 0.15% |
| JON R OVERACRE3 | 10502 WEST 133RD TERRACE APARTMENT 107 OVERLAND PARK, KS 66213 | AFLAC | $95 | — | $95 | 0.14% |
| WALTER N COFFMAN JR3 Filed as: WALTER COFFMAN JR | 31 HAWTHORN CIRCLE CROSSVILLE, TN 38555 | AFLAC | $92 | — | $92 | 0.13% |
| MARVIN LEE WILKERSON3 | 884 HOLLY TREE GAP ROAD BRENTWOOD, TN 37027 | AFLAC | $69 | — | $69 | 0.10% |
| ABBIE W COFFMAN3 Filed as: ABBIE COFFMAN | 31 HAWTHORN CIRCLE CROSSVILLE, TN 38555 | AFLAC | $68 | — | $68 | 0.10% |
| MATTHEW W BOESHORE3 Filed as: MATTHEW BOESHORE | 6010B LOUISIANA AVENUE NASHVILLE, TN 37209 | AFLAC | $63 | — | $63 | 0.09% |
| TINA MARIE ANGOTTI3 Filed as: TINA ANGOTTI | 2626 NORTH CAMPBELL AVENUE TUCSON, AZ 85719 | AFLAC | $61 | — | $61 | 0.09% |
| RONALD H RICHEY3 | 4499 MURFREESBORO ROAD FRANKLIN, TN 37067 | AFLAC | $51 | — | $51 | 0.07% |
| DAVID W TINGLEY3 Filed as: DAVID TINGLEY | 7903 ORION CIRCLE UNIT 380 LAUREL, MD 20724 | AFLAC | $47 | — | $47 | 0.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WILLIAM BROWN JR | 6639 BROKEN BOW DRIVE ANTIOCH, TN 37013 | AFLAC | $45 | — | $45 | 0.06% |
| WILLIAM WALTER FARRIS3 Filed as: WILLIAM FARRIS | 740 ANSTON CROSS DRIVE EADS, TN 38028 | AFLAC | $43 | — | $43 | 0.06% |
| JADEANNE WAGNER3 | 742 WILLOWSPRINGS BOULEVARD FRANKLIN, TN 37064 | AFLAC | $42 | — | $42 | 0.06% |
| JOHN BYERS3 | 2026 VALLEY BROOK DRIVE BRENTWOOD, TN 37027 | AFLAC | $40 | — | $40 | 0.06% |
| ROSANN HURST3 | 7146 LAKEVIEW COURT BRENTWOOD, TN 37027 | AFLAC | $38 | — | $38 | 0.05% |
| JAMES C FARMER JR3 Filed as: JAMES FARMER JR | 261 CRIMSON SKY COURT DRIPPING SPRINGS, TX 78620 | AFLAC | $37 | — | $37 | 0.05% |
| ROBERT GOBLE3 | 250 3TH AVENUE NE HICKORYY, NC 26601 | AFLAC | $29 | — | $29 | 0.04% |
| BRENT GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $27 | — | $27 | 0.04% |
| CRUSER MARKETING INC3 | 7516 BLUEBONNET BOULEVARD SUITE 116 BATON ROUGE, LA 70810 | AFLAC | $25 | — | $25 | 0.04% |
| CARTER L NELSON3 Filed as: CARTER NELSON | 10307 HARRISON SPRINGS LANE KNOXVILLE, TN 37932 | AFLAC | $24 | — | $24 | 0.03% |
| JULIE L TEMPLETON3 Filed as: JULIE TEMPLETON | 709 HELMSDALE PLACE SOUTH BRENTWOOD, TN 37027 | AFLAC | $24 | — | $24 | 0.03% |
| DAVID L DACUS3 Filed as: DAVID DACUS | 1416 RIVER PINE DRIVE COLLIERVILLE, TN 38017 | AFLAC | $23 | — | $23 | 0.03% |
| BARBARA BATES-DICKEY3 | 1805 CLINCH PLACE OLD HICKORY, TN 37138 | AFLAC | $22 | — | $22 | 0.03% |
| BRENDA S SPEER3 Filed as: BRENDA SPEER | 445 S FORK BLUE CREEK ROAD LYNNVILLE, TN 38472 | AFLAC | $21 | — | $21 | 0.03% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $18 | — | $18 | 0.03% |
| GARY I HOLT3 Filed as: GARY HOLT | 5005 SUNSET WAY HERMITAGE, TN 37076 | AFLAC | $17 | — | $17 | 0.02% |
| VBTN, INC3 Filed as: VBTN | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $14 | — | $14 | 0.02% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BOULEVARD BRENTWOOD, TN 37027 | AFLAC | $13 | — | $13 | 0.02% |
| STACY SCHMIDT3 | 2639 WEST OLD TOPSIDE ROAD LOUISVILLE, TN 37777 | AFLAC | $13 | — | $13 | 0.02% |
| ANGELA LOUISE SMITH3 Filed as: ANGELA SMITH | 1220 EAST NORTHSIDE DRIVE SUITE 170 JACKSON, MS 39211 | AFLAC | $12 | — | $12 | 0.02% |
| ROBERT M FUDGE3 Filed as: ROBERT FUDGE | 2617 CHURCHILL DRIVE THOMPSONS STATION, TN 37179 | AFLAC | $12 | — | $12 | 0.02% |
| DANIEL E TORRES3 | 1750 FARMINGTON CIRCLE WELLINGTON, FL 33414 | AFLAC | $12 | — | $12 | 0.02% |
| KANDI M MCINTYRE3 | 8429 LORRAINE ROAD 385 LAKEWOOD RANCH, FL 34202 | AFLAC | $11 | — | $11 | 0.02% |
| TAMMY F PRATER3 | 1422 PEELED CHESTNUT LANE SPARTA, TN 38583 | AFLAC | $11 | — | $11 | 0.02% |
| JAY OLEARY3 | 1802 EAVES COURT NOLENSVILLE, TN 37135 | AFLAC | $10 | — | $10 | 0.01% |
| FRANCES SHAFFER3 | 14025 TOWER RD SMITHBURG, MD 21783 | AFLAC | $9 | — | $9 | 0.01% |
| MATTHEW D BUTLER3 Filed as: MATTHEW BUTLER | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TX 37922 | AFLAC | $7 | — | $7 | 0.01% |
| CHRISTIAN ANDRE LEVERN3 Filed as: CHRISTIAN LEVERN | 1929 SPILLWAY ROAD SUITE D BRANDON, MS 39047 | AFLAC | $7 | — | $7 | 0.01% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVENUE NASHVILLE, TN 37206 | AFLAC | $6 | — | $6 | 0.01% |
| DOC N REESE3 | 702 NORTHVIEW CIRCLE LEBANON, TN 37087 | AFLAC | $6 | — | $6 | 0.01% |
| PAMELA W EZZELL3 Filed as: PAMELA EZZELL | 2947 CHERRYBARK COURT HERMITAGE, TN 37076 | AFLAC | $6 | — | $6 | 0.01% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 308 LAKE VILLAGE DRIVE MADISON, MS 39110 | AFLAC | $3 | — | $3 | 0.00% |
| THOMAS M WILLIAMSON3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $3 | — | $3 | 0.00% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $2 | — | $2 | 0.00% |
| KIMBERLY MURRAY3 Filed as: KIMBERLY N MURRAY | 8949 POPLAR PIKE GERMANTOWN, TN 38138 | AFLAC | $2 | — | $2 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ROLAND BROWN | 5150 BAY TOWN CONWAY, AR 72034 | AFLAC | $2 | — | $2 | 0.00% |
| KANDI H HECKLER3 | 5453 HASELL DRIVE ROCKVALE, TN 37153 | AFLAC | $2 | — | $2 | 0.00% |
| AMY B CITRON3 Filed as: AMY CITRON | 1024 GRANADA AVENUE NASHVILLE, TN 37206 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES M PITZ3 | 84 MINK DRIVE CATUALA, GA 31804 | AFLAC | $1 | — | $1 | 0.00% |
| AUTUMN BETHEA3 | 1124 GOLF VIEW WAY SPRING HILL, TN 37174 | AFLAC | $1 | — | $1 | 0.00% |
| TONYA SUE ELMORE3 Filed as: TONYA ELMORE | 1930 HIGHWAY 71 EAST MANSFIELD, AR 72944 | AFLAC | $1 | — | $1 | 0.00% |
| TAMI S GILL3 Filed as: TAMI GILL | 53 MICHELLE DRIVE BRIGHTON, TN 38011 | AFLAC | $1 | — | $1 | 0.00% |
| ENROLLEASE4 Filed as: DIGITAL INSURANCE INS | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $845 | — | $845 | 10.32% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $434 | — | $434 | 6.61% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 125 AUSTIN, TN 78446 | PRINCIPAL LIFE INSURANCE COMPANY | $131 | — | $131 | 2.00% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 133 | $400K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 119 | $81K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 119 | $81K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 141 | $165K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 141 | $165K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 141 | $172K |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 141 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.