| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH HOILMAN3 | 801F SUNSET DR STE 1 JOHNSON CITY, TN 37604 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $37K | $37K | 3.77% |
| BCS WEALTH MANAGEMENT Filed as: BCS FINANCIAL LLC | 801F SUNSET DRIVE, STE 1 JOHNSON CITY, TN 37604 | COMPANION LIFE | $9K | — | $9K | 10.30% |
| THE CASON GROUP INC Filed as: THE CASON GROUP | 1612 MARION ST COLUMBIA, SC 29201 | COMPANION LIFE | $4K | — | $4K | 5.15% |
| BCS WEALTH MANAGEMENT3 | 801F SUNSET DRIVE, STE F1 JOHNSON CITY, TN 37604 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.87% |
| MELVIN R WARNER | 41 QUAIL RUN CARTERSVILLE, GA 30120 | AFLAC | $189 | — | $189 | 1.98% |
| DAVID WHITAKER Filed as: DAVID E WHITAKER | 1202 GREENLEE DR JONESBOROUGH, TN 37659 | AFLAC | $127 | — | $127 | 1.33% |
| AMANDA L MOORE RHODES Filed as: AMANDA MOORE RHODES | 327 CHARLTON CT BLUFF CITY, TN 37618 | AFLAC | $82 | — | $82 | 0.86% |
| WILLIAM KRAMER | 1227 VOLUNTEER PKWY BRISTOL, TN 37620 | AFLAC | $65 | — | $65 | 0.68% |
| RYAN DREBING | 2112 N ROAD ST, SUITE 702 JOHNSON CITY, TN 37601 | AFLAC | $47 | — | $47 | 0.49% |
| JACKSON D RHODES Filed as: JACKSON RHODES | 2332 VOLUNTEER PKWY BRISTOL, TN 37620 | AFLAC | $40 | — | $40 | 0.42% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: JUDY KAREN BROWN | 304 GILDA AVE CHURCH HILL, TN 37642 | AFLAC | $39 | — | $39 | 0.41% |
| JOSEPH S WILLIAMS | 311 SUMMERSTONE CT CANTON, GA 30114 | AFLAC | $37 | — | $37 | 0.39% |
| MATTIE C MULLINS | 904 MILLERCREST DR JOHNSON CITY, TN 37604 | AFLAC | $36 | — | $36 | 0.38% |
| CHARLES F GREER Filed as: CHARLES GREER | 9537 PECKY CYPRESS WAY ORLANDO, FL 32836 | AFLAC | $34 | — | $34 | 0.36% |
| STEPHEN L FOSTER | PO BOX 4334 JOHNSON CITY, TN 37602 | AFLAC | $34 | — | $34 | 0.36% |
| GEORGE C SEYMOUR | 1428 PINEOLA AVE KINGSPORT, TN 37664 | AFLAC | $33 | — | $33 | 0.35% |
| STEVEN BOWLING | 2802 ANITA LN TYLER, TX 75701 | AFLAC | $29 | — | $29 | 0.30% |
| MATTIE C MULLINS | 326 DELMER SALTS RD GRAY, TN 37615 | AFLAC | $26 | — | $26 | 0.27% |
| BARRY T FISHER | 9662 SPRINGMEADOW DR NEW PORT RICHEY, FL 34655 | AFLAC | $24 | — | $24 | 0.25% |
| TAYLOR THIGPEN | 605 COMMODORE LN KNOXVILLE, TN 37934 | AFLAC | $23 | — | $23 | 0.24% |
| DAVID R CHARLES Filed as: DAVID CHARLES | 1791 TWIN PINE BLVD GULF BREEZE, FL 32563 | AFLAC | $22 | — | $22 | 0.23% |
| MICHAEL MUSICK | 720 GEORGIA ST BRISTOL, VA 24201 | AFLAC | $21 | — | $21 | 0.22% |
| SHEILA D MINIER | 180 OVERHILL DR JONESBOROUGH, TN 37659 | AFLAC | $19 | — | $19 | 0.20% |
| WANDA STEPP | 4720 FOWLER DR MORRISTOWN, TN 37814 | AFLAC | $16 | — | $16 | 0.17% |
| DAVID C CLOUD JR | 12 TRENT DR SE ROME, GA 30161 | AFLAC | $16 | — | $16 | 0.17% |
| EMMET HAWKINS | PO BOX 322 ABINGDON, VA 24212 | AFLAC | $15 | — | $15 | 0.16% |
| RONALD H RICHEY Filed as: RONALD RICHEY | 4499 MURFREESBORO RD FRANKLIN, TN 37067 | AFLAC | $11 | — | $11 | 0.12% |
| RICHARD D HEYDEL | 1921 OLD HICKORY BLVD BRENTWOOD, TN 37027 | AFLAC | $11 | — | $11 | 0.12% |
| CHARLES HOUGH | 162 SLATE HILL RD TELFORD, TN 37690 | AFLAC | $9 | — | $9 | 0.09% |
| JAMES A THRIFT | 408 OAK WIND CIR GREER, SC 29651 | AFLAC | $9 | — | $9 | 0.09% |
| JOSEPH S WILLIAMS | 5703 BRYNWOOD CIR NW ACWORTH, GA 30101 | AFLAC | $7 | — | $7 | 0.07% |
| THOMAS E HATCHER JR Filed as: THOMAS HATCHER JR | 1588 BAY TREE DR HARRELLS, NC 28444 | AFLAC | $6 | — | $6 | 0.06% |
| ALEXANDER B WARD | 5194 FOREST VIEW CT SE MABLETON, GA 30126 | AFLAC | $6 | — | $6 | 0.06% |
| AMY A O SHIELDS | 5159 CALGARY DR DOUGLASVILLE, GA 30135 | AFLAC | $6 | — | $6 | 0.06% |
| KODY L HODGE | 430 ALFALFA LN JONESBOROUGH, TN 37659 | AFLAC | $5 | — | $5 | 0.05% |
| LYNN B HODGE | 430 ALFALFA LN JONESBOROUGH, TN 37659 | AFLAC | $5 | — | $5 | 0.05% |
| HENRY JUDSON MILLER | 1112 FAIRGROUNDS CT KINGSTON, TN 37763 | AFLAC | $4 | — | $4 | 0.04% |
| ROY W HART | 253 HUCKLEBERRY RD BLUFF CITY, TN 37618 | AFLAC | $4 | — | $4 | 0.04% |
| BRENT GOODE | 2000 GLEN ECHO RD, STE 204 NASHVILLE, TN 37215 | AFLAC | $3 | — | $3 | 0.03% |
| ABBIE W COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $2 | — | $2 | 0.02% |
| MARY LEE NICHOLS | 2115 ARBOR VIEW CIR DIBERVILLE, MS 39540 | AFLAC | $2 | — | $2 | 0.02% |
| JOSEPH LEDOUX | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $1 | — | $1 | 0.01% |
| JAY S OLEARY | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $1 | — | $1 | 0.01% |
| KANDI H HECKLER Filed as: KANDI HECKLER | 5453 HASELL DRIVE ROCKVALE, TN 37153 | AFLAC | $1 | — | $1 | 0.01% |
| MATT STEINHAUER III | 100 YORKSHIRE CT HENDERSONVILLE, TN 37075 | AFLAC | $1 | — | $1 | 0.01% |
| BCS WEALTH MANAGEMENT Filed as: BCS FINANCIAL LLC | 801F SUNSET DR STE 1 JOHNSON CITY, TN 37604 | UNUM INSURANCE COMPANY | $4K | — | $4K | 51.04% |
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 | 128 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 174 | $978K |
| Dental(2 contracts, 2 carriers) | COMPANION LIFE | 211 | $132K |
| Vision(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 174 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE | 211 | $132K |
| Short-term disability(4 contracts, 4 carriers) | COMPANION LIFE | 211 | $151K |
| Long-term disability(2 contracts, 2 carriers) | COMPANION LIFE | 211 | $132K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 174 | $978K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 211 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.