| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TYLER MACKIE3 | 3121 BRISTOL HWY STE 8 JOHNSON CITY, TN 37601 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $25K | — | $25K | 3.60% |
| DANNY R. OSTER3 Filed as: DANNY HOILMAN | 801C SUNSET DR STE 100 JOHNSON CITY, TN 37604 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $7K | — | $7K | 1.01% |
| BCS WEALTH MANAGEMENT3 | 801 SUNSET DRIVE, STE 100C JOHNSON CITY, TN 37604 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 11.64% |
| BCS WEALTH MANAGEMENT | 801 SUNSET DRIVE, STE 100C JOHNSON CITY, TN 37604 | AFLAC | $305 | — | $305 | 2.84% |
| DAVID WHITAKER | 125 PRITCHARD DR JONESBOROUGH, TN 37659 | AFLAC | $163 | — | $163 | 1.52% |
| RYAN DREBING | 2112 N ROAD ST, SUITE 702 JOHNSON CITY, TN 37601 | AFLAC | $111 | $4 | $115 | 1.07% |
| JACKSON D RHODES Filed as: JACKSON RHODES | 2332 VOLUNTEER PKWY BRISTOL, TN 37620 | AFLAC | $103 | $9 | $112 | 1.04% |
| MATTIE MULLINS | 904 MILLERCREST DR JOHNSON CITY, TN 37604 | AFLAC | $96 | — | $96 | 0.90% |
| KODY L HODGE | 430 ALFALFA LN JONESBOROUGH, TN 37659 | AFLAC | $58 | $32 | $90 | 0.84% |
| DAVID WHITAKER Filed as: DAVID E WHITAKER | 1202 GREENLEE DR JONESBOROUGH, TN 37659 | AFLAC | $82 | — | $82 | 0.76% |
| LYNN HODGE | 430 ALFALFA LN JONESBOROUGH, TN 37659 | AFLAC | $61 | $14 | $75 | 0.70% |
| AMANDA L MOORE RHODES Filed as: AMANDA MOORE RHODES | 327 CHARLTON CT BLUFF CITY, TN 37618 | AFLAC | $52 | $6 | $58 | 0.54% |
| STEVEN BOWLING | 2802 ANITA LN TYLER, TX 75701 | AFLAC | $49 | — | $49 | 0.46% |
| MELVIN R WARNER | 1300 ASHWORTH AVE SW MARIETTA, GA 30064 | AFLAC | $47 | — | $47 | 0.44% |
| MELVIN R WARNER | 16 GRANDVIEW CT POWDER SPRINGS, GA 30127 | AFLAC | $47 | — | $47 | 0.44% |
| CHARLES HOUGH | 162 SLATE HILL RD TELFORD, TN 37690 | AFLAC | $44 | — | $44 | 0.41% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: JUDY BROWN | 304 GILDA AVE CHURCH HILL, TN 37642 | AFLAC | $39 | — | $39 | 0.36% |
| CHARLES F GREER Filed as: CHARLES GREER | 9537 PECKY CYPRESS WAY ORLANDO, FL 32836 | AFLAC | $36 | — | $36 | 0.34% |
| WILLIAM KRAMER | 525 W OAKLAND AVE, STE 7 JOHNSON CITY, TN 37604 | AFLAC | $30 | — | $30 | 0.28% |
| WANDA STEPP | 4720 FOWLER DR MORRISTOWN, TN 37814 | AFLAC | $25 | — | $25 | 0.23% |
| JOSEPH S WILLIAMS | 5703 BRYNWOOD CIR NW ACWORTH, GA 30101 | AFLAC | $22 | — | $22 | 0.21% |
| WILLIAM KRAMER | 1227 VOLUNTEER PKWY BRISTOL, TN 37620 | AFLAC | $22 | — | $22 | 0.21% |
| MICHAEL MUSICK | 276 GEORGIA ST BRISTOL, VA 24201 | AFLAC | $21 | — | $21 | 0.20% |
| EMMET HAWKINS | PO BOX 322 ABINGDON, VA 24212 | AFLAC | $15 | — | $15 | 0.14% |
| JAMES A THRIFT | 408 OAK WIND CIR GREER, SC 29651 | AFLAC | $15 | — | $15 | 0.14% |
| KIMBERLY STATEN | PO BOX 8184 GRAY, TN 37615 | AFLAC | $13 | — | $13 | 0.12% |
| RICHARD D HEYDEL | 1921 OLD HICKORY BLVD BRENTWOOD, TN 37027 | AFLAC | $12 | — | $12 | 0.11% |
| BARRY T FISHER | 9662 SPRINGMEADOW DR NEW PORT RICHEY, FL 34655 | AFLAC | $12 | — | $12 | 0.11% |
| RONALD H RICHEY Filed as: RONALD RICHEY | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $11 | — | $11 | 0.10% |
| DAVID R CHARLES Filed as: DAVID CHARLES | 1791 TWIN PINE BLVD GULF BREEZE, FL 32563 | AFLAC | $8 | — | $8 | 0.07% |
| DAVID C CLOUD JR | 12 TRENT DR SE ROME, GA 30161 | AFLAC | $8 | — | $8 | 0.07% |
| ABBIE W COFFMAN Filed as: ABBIE COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $7 | — | $7 | 0.07% |
| THOMAS E HATCHER JR Filed as: THOMAS HATCHER JR | 1588 BAYTREE DR HARRELLS, NC 28444 | AFLAC | $6 | — | $6 | 0.06% |
| HENRY JUDSON MILLER Filed as: HENRY MILLER | 1112 FAIRGROUNDS CT KINGSTON, TN 37763 | AFLAC | $6 | — | $6 | 0.06% |
| BRENT GOODE | 2000 GLEN ECHO RD, STE 204 NASHVILLE, TN 37215 | AFLAC | $4 | — | $4 | 0.04% |
| JAY OLEARY | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $4 | — | $4 | 0.04% |
| STEPHANIE H. DREBING Filed as: STEPHANIE H DREBING | 221 PERSIMMON LN JONESBOROUGH, TN 37659 | AFLAC | $4 | — | $4 | 0.04% |
| RONALD E KIRKLAND Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $3 | — | $3 | 0.03% |
| KANDI H HECKLER Filed as: KANDI HECKLER | 5453 HASELL DRIVE ROCKVALE, TN 37153 | AFLAC | $3 | — | $3 | 0.03% |
| ALEXANDER B WARD | 5194 FOREST VIEW CT SE MABLETON, GA 30126 | AFLAC | $3 | — | $3 | 0.03% |
| AMY A O SHIELDS | 5159 CALGARY DR DOUGLASVILLE, GA 30135 | AFLAC | $3 | — | $3 | 0.03% |
| MARY LEE NICHOLS Filed as: MARY NICHOLS | 317 4TH ST S#276 LA CROSSE, WI 54601 | AFLAC | $2 | — | $2 | 0.02% |
| 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 | 112 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 145 | $696K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 176 | $117K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 145 | $696K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 176 | $106K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 176 | $117K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 176 | $106K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 145 | $696K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 176 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.