| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANNY R. OSTER3 Filed as: DANNY HOILMAN | 801C SUNSET DR STE 100 JOHNSON CITY, TN 37604 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $31K | $31K | 4.56% |
| TYLER MACKIE3 | 3121 BRISTOL HWY STE 8 JOHNSON CITY, TN 37601 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $72 | $72 | 0.01% |
| BCS WEALTH MANAGEMENT3 | 801 SUNSET DRIVE, STE 100C JOHNSON CITY, TN 37604 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 10.94% |
| RYAN DREBING | 2112 N ROAD ST, SUITE 702 JOHNSON CITY, TN 37601 | AFLAC | $335 | $28 | $363 | 2.82% |
| BCS WEALTH MANAGEMENT | 801 SUNSET DRIVE, STE 100C JOHNSON CITY, TN 37604 | AFLAC | $314 | — | $314 | 2.44% |
| DAVID WHITAKER | 1202 GREENLEE DR JONESBOROUGH, TN 37659 | AFLAC | $238 | — | $238 | 1.85% |
| MELVIN R WARNER | 1300 ASHWORTH AVE SW MARIETTA, GA 30064 | AFLAC | $189 | — | $189 | 1.47% |
| MATTIE MULLINS | 904 MILLERCREST DR JOHNSON CITY, TN 37604 | AFLAC | $96 | — | $96 | 0.74% |
| JACKSON D RHODES Filed as: JACKSON RHODES | 2332 VOLUNTEER PKWY BRISTOL, TN 37620 | AFLAC | $75 | $6 | $81 | 0.63% |
| AMANDA L MOORE RHODES Filed as: AMANDA MOORE RHODES | 327 CHARLTON CT BLUFF CITY, TN 37618 | AFLAC | $47 | $6 | $53 | 0.41% |
| WILLIAM KRAMER | 1227 VOLUNTEER PKWY BRISTOL, TN 37620 | AFLAC | $52 | — | $52 | 0.40% |
| STEVEN BOWLING | 2802 ANITA LN TYLER, TX 75701 | AFLAC | $49 | — | $49 | 0.38% |
| CHARLES HOUGH | 162 SLATE HILL RD TELFORD, TN 37690 | AFLAC | $44 | — | $44 | 0.34% |
| JOSEPH S WILLIAMS | 5703 BRYNWOOD CIR NW ACWORTH, GA 30101 | AFLAC | $44 | — | $44 | 0.34% |
| JOHN A HAWLEY | 204 HEARTHSTONE DR BLACKSBURG, VA 24060 | AFLAC | $41 | — | $41 | 0.32% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: JUDY BROWN | 304 GILDA AVE CHURCH HILL, TN 37642 | AFLAC | $39 | — | $39 | 0.30% |
| CHARLES F GREER Filed as: CHARLES GREER | 9537 PECKY CYPRESS WAY ORLANDO, FL 32836 | AFLAC | $36 | — | $36 | 0.28% |
| WANDA STEPP | 4720 FOWLER DR MORRISTOWN, TN 37814 | AFLAC | $25 | — | $25 | 0.19% |
| BARRY T FISHER | 9662 SPRINGMEADOW DR NEW PORT RICHEY, FL 34655 | AFLAC | $24 | — | $24 | 0.19% |
| MICHAEL MUSICK | 276 GEORGIA ST BRISTOL, VA 24201 | AFLAC | $21 | — | $21 | 0.16% |
| LYNN HODGE | 430 ALFALFA LN JONESBOROUGH, TN 37659 | AFLAC | $17 | — | $17 | 0.13% |
| JAMES A THRIFT | 408 OAK WIND CIR GREER, SC 29651 | AFLAC | $16 | — | $16 | 0.12% |
| DAVID C CLOUD JR | 12 TRENT DR SE ROME, GA 30161 | AFLAC | $16 | — | $16 | 0.12% |
| EMMET HAWKINS | PO BOX 322 ABINGDON, VA 24212 | AFLAC | $15 | — | $15 | 0.12% |
| KIMBERLY STATEN | PO BOX 8184 GRAY, TN 37615 | AFLAC | $13 | — | $13 | 0.10% |
| RICHARD D HEYDEL | 1921 OLD HICKORY BLVD BRENTWOOD, TN 37027 | AFLAC | $12 | — | $12 | 0.09% |
| KODY L HODGE | 430 ALFALFA LN JONESBOROUGH, TN 37659 | AFLAC | $11 | — | $11 | 0.09% |
| RONALD H RICHEY Filed as: RONALD RICHEY | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $11 | — | $11 | 0.09% |
| DAVID R CHARLES Filed as: DAVID CHARLES | 1791 TWIN PINE BLVD GULF BREEZE, FL 32563 | AFLAC | $8 | — | $8 | 0.06% |
| STEPHANIE H. DREBING Filed as: STEPHANIE H DREBING | 221 PERSIMMON LN JONESBOROUGH, TN 37659 | AFLAC | $5 | $3 | $8 | 0.06% |
| ABBIE W COFFMAN Filed as: ABBIE COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $7 | — | $7 | 0.05% |
| THOMAS E HATCHER JR Filed as: THOMAS HATCHER JR | 1588 BAY TREE DR HARRELLS, NC 28444 | AFLAC | $6 | — | $6 | 0.05% |
| ALEXANDER B WARD | 5194 FOREST VIEW CT SE MABLETON, GA 30126 | AFLAC | $6 | — | $6 | 0.05% |
| AMY A O SHIELDS | 5159 CALGARY DR DOUGLASVILLE, GA 30135 | AFLAC | $6 | — | $6 | 0.05% |
| HENRY JUDSON MILLER Filed as: HENRY MILLER | 1112 FAIRGROUNDS CT KINGSTON, TN 37763 | AFLAC | $4 | — | $4 | 0.03% |
| BRENT GOODE | 2000 GLEN ECHO RD, STE 204 NASHVILLE, TN 37215 | AFLAC | $4 | — | $4 | 0.03% |
| RONALD E KIRKLAND Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $3 | — | $3 | 0.02% |
| JAY OLEARY | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $3 | — | $3 | 0.02% |
| KANDI H HECKLER Filed as: KANDI HECKLER | 5453 HASELL DRIVE ROCKVALE, TN 37153 | AFLAC | $3 | — | $3 | 0.02% |
| MARY LEE NICHOLS Filed as: MARY NICHOLS | 151 GRANDE VIEW DR APT 35 BILOXI, MS 39531 | 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% |
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 | 115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 152 | $683K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 192 | $124K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 152 | $683K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 192 | $111K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 192 | $124K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 192 | $111K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 152 | $683K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 192 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.