| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $76K | — | $76K | 15.10% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 6.94% |
| DAVID M CRUMLEY3 Filed as: DAVID E WATSON | 6003 FOXLAND DRIVE BRENTWOOD, TN 37027 | AFLAC | $8K | $263 | $8K | 10.87% |
| JORDAN S SMITH3 | 307 SOUTHGATE COURT SUITE 130 BRENTWOOD, TN 37027 | AFLAC | $2K | $61 | $2K | 2.94% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 132 SEDONA WOODS TRAIL NOLENSVILLE, TN 37135 | AFLAC | $1K | $61 | $1K | 1.41% |
| GARY A SPANRAFT3 | 218 VISTA RIDGE DRIVE DELAWARE, OH 43015 | AFLAC | $387 | — | $387 | 0.51% |
| BAKER BENEFITS CORP3 | 4219 HILLSBORO PIKE SUITE 213 NASHVILLE, TN 37215 | AFLAC | $352 | — | $352 | 0.46% |
| HENRY J ROTH3 | 297 NEW SHACKLE ISLAND ROAD HENDERSONVILLE, TN 37075 | AFLAC | $178 | — | $178 | 0.23% |
| MICHAEL DAVIS3 Filed as: MICHAEL DAVID HAYNES | 1707 RICHBOURG PARK DRIVE BRENTWOOD, TN 37027 | AFLAC | $101 | — | $101 | 0.13% |
| JON R OVERACRE3 | 1300 NE HILLTOP DRIVE BLUE SPRINGS, MO 64014 | AFLAC | $88 | — | $88 | 0.12% |
| MATTHEW W BOESHORE3 | 6010B LOUISIANA AVENUE NASHVILLE, TN 37209 | AFLAC | $62 | — | $62 | 0.08% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIRCLE CROSSVILLE, TN 38555 | AFLAC | $57 | — | $57 | 0.08% |
| MARVIN LEE WILKERSON3 | 884 HOLLY TREE GAP ROAD BRENTWOOD, TN 37027 | AFLAC | $56 | — | $56 | 0.07% |
| DAVID W TINGLEY3 Filed as: DAVID TINGLEY | 7903 ORION CIRCLE UNIT 380 LAUREL, MD 20724 | AFLAC | $47 | — | $47 | 0.06% |
| TINA MARIE ANGOTTI3 | 1920 ATCHINSON AVENUE WHITING, IN 46394 | AFLAC | $45 | — | $45 | 0.06% |
| RONALD H RICHEY3 | 4499 MURFREESBORO ROAD FRANKLIN, TN 37067 | AFLAC | $45 | — | $45 | 0.06% |
| JADEANNE WAGNER3 | 742 WILLOWSPRINGS BOULEVARD FRANKLIN, TN 37064 | AFLAC | $42 | — | $42 | 0.06% |
| WALTER N COFFMAN JR3 | 31 HAWTHORN CIRCLE CROSSVILLE, KS 38555 | AFLAC | $40 | — | $40 | 0.05% |
| JOHN DALLAS BYERS3 | 2046 VALLEY BROOK DRIVE BRENTWOOD, TN 37027 | AFLAC | $40 | — | $40 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WILLIAM GLENN BROWN JR | 6639 BROKEN BOW DRIVE ANTIOCH, TN 37013 | AFLAC | $39 | — | $39 | 0.05% |
| GEORGE W HURST III3 | 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 | $27 | — | $27 | 0.04% |
| BRENT GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $26 | — | $26 | 0.03% |
| CRUSER MARKETING INC3 | 7516 BLUEBONNET BOUKEVARD 116 BATON ROUGE, LA 70810 | AFLAC | $25 | — | $25 | 0.03% |
| CARTER L NELSON3 | 10307 HARRISON SPRINGS LANE KNOXVILLE, TN 37932 | AFLAC | $24 | — | $24 | 0.03% |
| ROBERT GOBLE3 | 250 3TH AVENUE NE HICKORY, NC 26601 | AFLAC | $22 | — | $22 | 0.03% |
| WILLIAM WALTER FARRIS3 | 740 ANSTON CROSS DRIVE EADS, TN 38028 | AFLAC | $21 | — | $21 | 0.03% |
| BRENDA S SPEER3 | 445 SOUTH FORK BLUE CREEK ROAD LYNNVILLE, TN 38472 | AFLAC | $19 | — | $19 | 0.03% |
| JULIE L TEMPLETON3 Filed as: JULIE TEMPLETON | 709 HELMSDALE PLACE SOUTH BRENTWOOD, TN 37027 | AFLAC | $19 | — | $19 | 0.03% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DRIVE ELLICOTT CITY, MD 21042 | AFLAC | $18 | — | $18 | 0.02% |
| GARY I HOLT3 | 5005 SUNSET WAY HERMITAGE, TN 37076 | AFLAC | $16 | — | $16 | 0.02% |
| TINA MARIE ANGOTTI3 | 2626 NORTH CAMPBELL AVENUE TUCSON, AZ 85719 | AFLAC | $15 | — | $15 | 0.02% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BOULEVARD BRENTWOOD, FL 37027 | AFLAC | $13 | — | $13 | 0.02% |
| STACY SCHMIDT3 | 2639 WEST OLD TOPSIDE ROAD LOUISVILLE, TN 37777 | AFLAC | $13 | — | $13 | 0.02% |
| ROBERT M FUDGE3 | 2617 CHURCHILL DRIVE THOMPSONS STATION, TN 37179 | AFLAC | $12 | — | $12 | 0.02% |
| VBTN, INC3 Filed as: VBTN | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $12 | — | $12 | 0.02% |
| DAVID L DACUS3 | 1416 RIVER PINE DRIVE COLLIERVILLE, TN 38017 | AFLAC | $11 | — | $11 | 0.01% |
| BARBARA BATES-DICKEY3 | 1805 CLINCH PLACE OLD HICKORY, TN 37138 | AFLAC | $11 | — | $11 | 0.01% |
| TAMMY F PRATER3 | 1422 PEELED CHESTNUT LANE SPARTA, TN 38583 | AFLAC | $11 | — | $11 | 0.01% |
| KANDI M MCINTYRE3 | 8429 LORRAINE ROAD 385 LAKEWOOD RANCH, FL 34202 | AFLAC | $9 | — | $9 | 0.01% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD SUITE 214 COLUMBIA, MD 21044 | AFLAC | $9 | — | $9 | 0.01% |
| JAY S OLEARY3 | 1802 EAVES COURT NOLENSVILLE, TN 37135 | AFLAC | $8 | — | $8 | 0.01% |
| ANGELA LOUISE SMITH3 | 1723 UNIVERSITY AVENUE SUITE B-385 OXFORD, MS 38655 | AFLAC | $8 | — | $8 | 0.01% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TX 37922 | AFLAC | $7 | — | $7 | 0.01% |
| DANIEL E TORRES3 | 1750 FARMINGTON CIRCLE WELLINGTON, FL 33414 | AFLAC | $6 | — | $6 | 0.01% |
| JOSEPH 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 | 2947 CHERRYBARK COURT HERMITAGE, MS 37076 | AFLAC | $4 | — | $4 | 0.01% |
| CHRISTIAN ANDRE LEVERN3 | 1929 SPILLWAY ROAD SUITE D BRANDON, MS 39047 | AFLAC | $4 | — | $4 | 0.01% |
| THOMAS M WILLIAMSON3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $3 | — | $3 | 0.00% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 308 LAKE VILLAGE DRIVE MADISON, MS 39110 | AFLAC | $2 | — | $2 | 0.00% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $2 | — | $2 | 0.00% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $2 | — | $2 | 0.00% |
| KIMBERLY MURRAY3 Filed as: KIMBERLY N MURRAY | 8949 POPLAR PIKE GERMANTOWN, TN 38138 | AFLAC | $2 | — | $2 | 0.00% |
| KANDI H HECKLER3 | 5453 HASELL DRIVE ROCKVALE, TN 37153 | AFLAC | $2 | — | $2 | 0.00% |
| AMY B CITRON3 | 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% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD F BROWN | 5150 BAY TOWN CONWAY, AR 72034 | AFLAC | $1 | — | $1 | 0.00% |
| AUTUMN BETHEA3 | 1124 GOLF VIEW WAY SPRING HILL, TN 37174 | AFLAC | $1 | — | $1 | 0.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $2K | $13K | 17.72% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $1K | $10K | 17.56% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $791 | $5K | 17.54% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $689 | $5K | 17.57% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| ENROLLEASE4 Filed as: DIGITAL INSURANCE INS | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $881 | — | $881 | 10.36% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $431 | — | $431 | 7.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 237 WEST LANCASTER AVENUE DEVON, PA 19333 | PRINCIPAL LIFE INSURANCE COMPANY | $105 | — | $105 | 1.84% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 133 | $95K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 133 | $95K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $106K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $27K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $63K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 224 | $503K |
| Other(5 contracts, 4 carriers) | AFLAC | 166 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.