| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TYLER MACKIE3 | 208 SUNSET DRIVE, STE 101 JOHNSON CITY, TN 37604 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $30K | $30K | 4.64% |
| BCS WEALTH MANAGEMENT3 | 801 SUNSET DRIVE, STE 100C JOHNSON CITY, TN 37604 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $551 | $5K | 15.09% |
| DAVID WHITAKER | 125 PRITCHARD DR JONESBOROUGH, TN 37659 | AFLAC | $204 | — | $204 | 3.00% |
| WILLIAM KRAMER | 525 W OAKLAND AVE, STE 7 JOHNSON CITY, TN 37604 | AFLAC | $139 | $21 | $160 | 2.35% |
| MATTIE MULLINS | 904 MILLERCREST DR JOHNSON CITY, TN 37604 | AFLAC | $81 | — | $81 | 1.19% |
| BCS WEALTH MANAGEMENT | 801 SUNSET DRIVE, STE 100C JOHNSON CITY, TN 37604 | AFLAC | $72 | — | $72 | 1.06% |
| JACKSON D RHODES Filed as: JACKSON RHODES | 2332 VOLUNTEER PKWY BRISTOL, TN 37620 | AFLAC | $50 | $3 | $53 | 0.78% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: JUDY BROWN | 304 GILDA AVE CHURCH HILL, TN 37642 | AFLAC | $44 | — | $44 | 0.65% |
| STEVEN BOWLING | 2802 ANITA LN TYLER, TX 75701 | AFLAC | $40 | — | $40 | 0.59% |
| KODY L HODGE | 430 ALFALFA LN JONESBOROUGH, TN 37659 | AFLAC | $38 | — | $38 | 0.56% |
| RYAN DREBING | 2112 N ROAD ST, SUITE 702 JOHNSON CITY, TN 37601 | AFLAC | $38 | — | $38 | 0.56% |
| CHARLES HOUGH | 162 SLATE HILL RD TELFORD, TN 37690 | AFLAC | $37 | — | $37 | 0.54% |
| CHARLES F GREER Filed as: CHARLES GREER | 9537 PECKY CYPRESS WAY ORLANDO, FL 32836 | AFLAC | $30 | — | $30 | 0.44% |
| MICHAEL MUSICK | 276 GEORGIA ST BRISTOL, VA 24201 | AFLAC | $24 | — | $24 | 0.35% |
| WANDA STEPP | 4720 FOWLER DR MORRISTOWN, TN 37814 | AFLAC | $21 | — | $21 | 0.31% |
| EMMET HAWKINS | PO BOX 322 ABINGDON, VA 24212 | AFLAC | $17 | — | $17 | 0.25% |
| JAMES A THRIFT | 408 OAK WIND CIR GREER, SC 29651 | AFLAC | $13 | — | $13 | 0.19% |
| KIMBERLY STATEN | PO BOX 8184 GRAY, TN 37615 | AFLAC | $11 | — | $11 | 0.16% |
| JACKSON D RHODES Filed as: JACKSON RHODES | 525 W OAKLAND AVE, STE 7 JOHNSON CITY, TN 37604 | AFLAC | $11 | — | $11 | 0.16% |
| RICHARD D HEYDEL | 1921 OLD HICKORY BLVD BRENTWOOD, TN 37027 | AFLAC | $10 | — | $10 | 0.15% |
| LYNN HODGE | 430 ALFALFA LN JONESBOROUGH, TN 37659 | AFLAC | $10 | — | $10 | 0.15% |
| RONALD H RICHEY Filed as: RONALD RICHEY | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $9 | — | $9 | 0.13% |
| DAVID R CHARLES Filed as: DAVID CHARLES | 1791 TWIN PINE BLVD GULF BREEZE, FL 32563 | AFLAC | $6 | — | $6 | 0.09% |
| THOMAS E HATCHER JR Filed as: THOMAS HATCHER JR | 1588 BAYTREE DR HARRELLS, NC 28444 | AFLAC | $6 | — | $6 | 0.09% |
| ABBIE W COFFMAN Filed as: ABBIE COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $6 | — | $6 | 0.09% |
| HENRY JUDSON MILLER Filed as: HENRY MILLER | 1112 FAIRGROUNDS CT KINGSTON, TN 37763 | AFLAC | $6 | — | $6 | 0.09% |
| AMANDA L MOORE RHODES Filed as: AMANDA MOORE RHODES | 327 CHARLTON CT BLUFF CITY, TN 37618 | AFLAC | $4 | — | $4 | 0.06% |
| RONALD E KIRKLAND Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $3 | — | $3 | 0.04% |
| BRENT GOODE | 2000 GLEN ECHO RD, STE 204 NASHVILLE, TN 37215 | AFLAC | $3 | — | $3 | 0.04% |
| JAY OLEARY | 2000 GLEN ECHO RD, STE 204 NASHVILLE, TN 37215 | AFLAC | $3 | — | $3 | 0.04% |
| KANDI H HECKLER Filed as: KANDI HECKLER | 5453 HASELL DRIVE ROCKVALE, TN 37153 | AFLAC | $3 | — | $3 | 0.04% |
| MARY LEE NICHOLS Filed as: MARY NICHOLS | 3577 A CHAMBLEE TUCKER RD #304 ATLANTA, GA 30341 | AFLAC | $2 | — | $2 | 0.03% |
| JOSEPH LEDOUX | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $1 | — | $1 | 0.01% |
| ALAN W MARTIN Filed as: ALAN MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $1 | — | $1 | 0.01% |
| CARLA WITHERINGTON | 1405 HERRING DR COVINGTON, TN 38019 | AFLAC | $1 | — | $1 | 0.01% |
| JOANNA G MATHERLY Filed as: JOANNA MATHERLY | 2000 GLEN ECHO RD, STE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 0.01% |
| MATT STEINHAUER III | 100 YORKSHIRE CT HENDERSONVILLE, TN 37075 | AFLAC | $1 | — | $1 | 0.01% |
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 | 107 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 144 | $649K |
| Dental(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 166 | $688K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 144 | $649K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 166 | $32K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 166 | $39K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 166 | $32K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 144 | $649K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 166 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.