| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY | $0 | $55K | $55K | 4.84% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 0.75% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.39% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC DBA | ONEDIGITAL HEALTH AND BENEFITS 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $44K | $6K | $50K | 16.95% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $15K | $15K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF TENNESSEE | $11K | — | $11K | 10.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $1K | — | $1K | 4.90% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $1K | — | $1K | 4.95% |
| JAIME HUTTON3 Filed as: JAIME M HUTTON | 1893 HIGHWAY 25 GALLATIN, TN 37066 | AFLAC | $793 | $22 | $815 | 3.96% |
| ANASTASIA MODLIN3 Filed as: ANASTASIA ELAINE MODLIN | 312 FOUNTAIN HEAD RD PORTLAND, TN 37148 | AFLAC | $661 | $33 | $694 | 3.37% |
| PETER JOHN REGINELLI3 | 131 STREAM VALLEY BLVD FRANKLIN, TN 37064 | AFLAC | $294 | $10 | $304 | 1.48% |
| JENNY LYNN LASATER3 | PO BOX 2413 LEBANON, TN 37088 | AFLAC | $279 | — | $279 | 1.36% |
| JORDAN S SMITH3 | 6669 ARNO ALLISONA RD COLLEGE GROVE, TN 37046 | AFLAC | $228 | $10 | $238 | 1.16% |
| BROWNIE D HALL3 | 321 W MAIN ST LEBANON, TN 37087 | AFLAC | $170 | — | $170 | 0.83% |
| RICK R THORNE3 | 321 W MAIN ST LEBANON, TN 37087 | AFLAC | $147 | — | $147 | 0.71% |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $138 | — | $138 | 0.67% |
| THOMAS M WILLIAMSON3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $109 | — | $109 | 0.53% |
| ALAN W FOSTER3 | 716 FRENCH RIVER RD NOLENSVILLE, TN 37135 | AFLAC | $79 | — | $79 | 0.38% |
| DEBBIE A WHITENER3 | 432 SULLIVAN BEND RD ELMWOOD, TN 38560 | AFLAC | $67 | — | $67 | 0.33% |
| DAVID M CRUMLEY3 | 132 SEDONA WOODS TRL NOLENSVILLE, TN 37135 | AFLAC | $46 | — | $46 | 0.22% |
| THW INSURANCE SERVICES LLC3 | 321 W MAIN ST LEBANON, TN 37087 | AFLAC | $41 | — | $41 | 0.20% |
| GARY W LOVELL3 | PO BOX 90866 NASHVILLE, TN 37209 | AFLAC | $40 | — | $40 | 0.19% |
| AARON SPELZHAUS3 Filed as: AARON Z SPELZHAUS | 3281 HOLIDAY LN COLUMBIA, TN 38401 | AFLAC | $40 | — | $40 | 0.19% |
| JAMES C FARMER JR3 | 261 CRIMSON SKY CT DRIPPING SPRINGS, TX 78620 | AFLAC | $30 | — | $30 | 0.15% |
| EVERETT C BICKEL3 | 10447 SW 62ND CT OCALA, FL 34476 | AFLAC | $26 | — | $26 | 0.13% |
| MIKE N SEWELL3 | 301 CLAYMORE DR HAMILTON, GA 31811 | AFLAC | $18 | — | $18 | 0.09% |
| RONALD H RICHEY3 | 4499 MURFREESBORO RD FRANKLIN, TN 37067 | AFLAC | $17 | — | $17 | 0.08% |
| WILSON BANK & TRUST3 | PO BOX 768 LEBANON, TN 37088 | AFLAC | $16 | — | $16 | 0.08% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $8 | — | $8 | 0.04% |
| ALAN W MARTIN3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $8 | — | $8 | 0.04% |
| TIMOTHY CHAPPELL3 | 522 ROCK SPRINGS RD WATERTOWN, TN 37184 | AFLAC | $8 | — | $8 | 0.04% |
| STEVEN ANDREW MODLIN3 | 312 FOUNTAIN HEAD RD PORTLAND, TN 37148 | AFLAC | $7 | — | $7 | 0.03% |
| JULIE L TEMPLETON3 | 709 HELMSDALE PL S BRENTWOOD, TN 37027 | AFLAC | $7 | — | $7 | 0.03% |
| WAYNE E BURTON3 | 1030 S MAPLE AVE # 206 COOKEVILLE, TN 38501 | AFLAC | $6 | — | $6 | 0.03% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $5 | — | $5 | 0.02% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BLVD BRENTWOOD, TN 37027 | AFLAC | $5 | — | $5 | 0.02% |
| JAY S OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $4 | — | $4 | 0.02% |
| VBTN, INC3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $4 | — | $4 | 0.02% |
| JOHN H SEWELL3 | 1933 SHENANDOAH TRAIL LEBANON, TN 37087 | AFLAC | $4 | — | $4 | 0.02% |
| KANDI M MCINTYRE3 | 8429 LORRAINE RD 385 LAKEWOOD RANCH, FL 34202 | AFLAC | $4 | — | $4 | 0.02% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $3 | — | $3 | 0.01% |
| KANDI H HECKLER3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $2 | — | $2 | 0.01% |
| JOANNA G MATHERLY3 Filed as: JOANNA GRACE MATHERLY | 4581 MAJESTIC MEADOWS DR ARRINGTON, TN 37014 | AFLAC | $1 | — | $1 | 0.00% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $1 | — | $1 | 0.00% |
| JOANNA G MATHERLY3 Filed as: JOANNA GRACE MATHERLY | 4581 MAJESTIC MEADOWS DR ARRINGTON, TN 37014 | AFLAC | $1 | — | $1 | 0.00% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 299 | $1.1M |
| Dental | DELTA DENTAL OF TENNESSEE | 265 | $110K |
| Vision | VISION SERVICE PLAN | 118 | $27K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 211 | $296K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 211 | $296K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 211 | $316K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.