| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 372032772 | HUMANA INSURANCE COMPANY | $47K | $391 | $47K | 4.97% |
| PARADIGM GROUP3 | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | DELTA DENTAL OF TENNESSEE | $7K | — | $7K | 10.00% |
| JENNY LYNN LASATER3 | P.O. BOX 2413 LEBANON, TN 37088 | AFLAC | $1K | $77 | $2K | 6.56% |
| PARADIGM GROUP3 Filed as: PARADIGM GROUP LLC | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 37203 | AFLAC | $915 | — | $915 | 3.99% |
| THOMAS WILLIAMSON3 | 88 ABBEY ROAD LEBANON, TN 37090 | AFLAC | $617 | $16 | $633 | 2.76% |
| KELSEY EVERT3 | 2055 N MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $480 | $16 | $496 | 2.16% |
| BROWNIE D HALL3 Filed as: BROWNIE HALL | 321 W MAIN STREET LEBANON, TN 37087 | AFLAC | $356 | — | $356 | 1.55% |
| RICK R THORNE3 Filed as: RICK THORNE | 321 W MAIN STREET LEBANON, TN 37087 | AFLAC | $274 | — | $274 | 1.19% |
| JAIME HUTTON3 | 1020 MONTROSE DRIVE GALLATIN, TN 37066 | AFLAC | $221 | — | $221 | 0.96% |
| DEBBIE A WHITENER3 Filed as: DEBBIE WHITENER | 326 LEBANON HWY CARTHAGE, TN 37030 | AFLAC | $107 | — | $107 | 0.47% |
| DAVID M CRUMLEY3 | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $102 | — | $102 | 0.44% |
| GARY W LOVELL3 Filed as: GARY LOVELL | P.O. BOX 682146 FRANKLIN, TN 37068 | AFLAC | $66 | — | $66 | 0.29% |
| SEWELL AND ASSOCIATES INC3 | 1055 MISTY LAKE DR LEBANON, TN 37087 | AFLAC | $49 | — | $49 | 0.21% |
| WAYNE E BURTON3 Filed as: WAYNE BURTON | 433 SOUTH PLANTATION DRIVE COOKEVILLE, TN 38506 | AFLAC | $44 | — | $44 | 0.19% |
| JAMES G MCALISTER3 Filed as: JAMES T CHAFFIN | 5420 WAKEFIELD NASHVILLE, TN 37220 | AFLAC | $39 | — | $39 | 0.17% |
| RONALD H RICHEY3 Filed as: RONALD RICHEY | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $30 | — | $30 | 0.13% |
| EVERETT C BICKEL3 | 14970 CENTER HILL DAM RD SILVER POINT, TN 38582 | AFLAC | $29 | — | $29 | 0.13% |
| LESLIE H SILTMAN3 Filed as: LESLIE SILTMAN | 207 MOORE DR BATESVILLE, MS 38606 | AFLAC | $28 | — | $28 | 0.12% |
| WILLIAM D HEYDEL3 | 109 N CASTLE HEIGHTS AVE LEBANON, TN 37087 | AFLAC | $28 | — | $28 | 0.12% |
| JENNY SEWELL3 | 138 NICKOLAS CIRCLE LEBANON, TN 37087 | AFLAC | $21 | — | $21 | 0.09% |
| GARTH KEMP3 | 21 MOSS FOREST CIR JACKSON, MS 39211 | AFLAC | $20 | — | $20 | 0.09% |
| LARA K GRANDE3 Filed as: LARA GRANDE | 1022 WESTHAVEN BLVD FRANKLIN, TN 37064 | AFLAC | $18 | — | $18 | 0.08% |
| VBTN, INC3 Filed as: VBTN, INC. | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $14 | — | $14 | 0.06% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BLVD BRENTWOOD, TN 37027 | AFLAC | $13 | — | $13 | 0.06% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $12 | — | $12 | 0.05% |
| RONALD A DASHKOVITZ3 Filed as: RONALD DASHKOVITZ | 20 MILLPOND TRL SAGINAW, MI 48603 | AFLAC | $11 | — | $11 | 0.05% |
| JULIE L TEMPLETON3 Filed as: JULIE TEMPLETON | 709 HELMSDALE PL S BRENTWOOD, TN 37027 | AFLAC | $7 | — | $7 | 0.03% |
| JAY OLEARY3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $7 | — | $7 | 0.03% |
| BRENT GOODE3 | 2000 GLEN ECHO ROAD STE 204 NASHVILLE, TN 37215 | AFLAC | $7 | — | $7 | 0.03% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY INC. | 4000 SMITH ROAD STE 400 CINCINNATI, OH 45209 | AFLAC | $6 | — | $6 | 0.03% |
| NOLAN MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $5 | — | $5 | 0.02% |
| KANDI M MCINTYRE3 Filed as: KANDI MCINTYRE | 2000 MALLORY LANE SUITE 130-378 FRANKLIN, TN 37067 | AFLAC | $4 | — | $4 | 0.02% |
| ABBIE W COFFMAN3 Filed as: ABBIE COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $4 | — | $4 | 0.02% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $3 | — | $3 | 0.01% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $3 | — | $3 | 0.01% |
| JOSEPH LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $2 | — | $2 | 0.01% |
| DAVID B RAY3 Filed as: DAVID RAY | 5122 STONEWOOD DR SMYRNA, TN 37167 | AFLAC | $1 | — | $1 | 0.00% |
| GARRETT A ROLL3 Filed as: GARRETT ROLL | 2806 GARRETT DR BOWLING GREEN, KY 42104 | AFLAC | $1 | — | $1 | 0.00% |
| PARADIGM GROUP3 Filed as: PARADIGM GROUP, LLC | 1600 DIVISION STREET SUITE 220 NASHVILLE, TN 372032772 | VISION SERVICE PLAN | $927 | — | $927 | 6.19% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 130 | $950K |
| Dental | DELTA DENTAL OF TENNESSEE | 193 | $74K |
| Vision | VISION SERVICE PLAN | 98 | $15K |
| Other | AFLAC | 44 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.