| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLIFFORD G HALL3 | 319 COUNCIL BLUFF PARKWAY MURFREESBORO, TN 37127 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $45K | $54K | 3.66% |
| MCKNIGHT ADVISORY GROUP INC3 Filed as: MCKNIGHT ADVISORY GROUP, INC | 1850 MEMORIAL BOULEVARD MURFREESBORO, TN 37129 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $45K | $45K | 3.07% |
| CLIFFORD G HALL3 Filed as: CLIFFORD GORDON HALL | 319 COUNCIL BLUFF PARKWAY MURFREESBORO, TN 37127 | AETNA LIFE INSURANCE CO. | $11K | — | $11K | 9.37% |
| MCKNIGHT ADVISORY GROUP INC3 | 1850 MEMEORIAL BOULEVARD MURFREESBORO, TN 37129 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 5.59% |
| CLIFFORD G HALL3 | 319 COUNCIL BLUFF PARKWAY MURFREESBORO, TN 37127 | AFLAC | $3K | $137 | $4K | 7.69% |
| MCKNIGHT ADVISORY GROUP INC3 Filed as: MCKNIGHT ADVISORY GROUP | 1850 MEMORIAL BOULEVARD MURFREESBORO, TN 37129 | AFLAC | $3K | — | $3K | 5.54% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 103 CHEROKEE BOULEVARD SUITE 225 CHATTANOOGA, TN 37405 | AFLAC | $2K | $9 | $2K | 3.28% |
| KANDI H HECKLER3 | 5453 HASELL DRIVE ROCKVALE, TN 37153 | AFLAC | $1K | — | $1K | 2.21% |
| ASHLEY P RADER3 | 242 HERITAGE PARK DRIVE SUITE 106 MURFREESBORO, TN 37129 | AFLAC | $549 | $27 | $576 | 1.23% |
| JOHN THOMAS3 Filed as: JOHN L THOMAS | 2907 CHAUCER DRIVE MURFREESBORO, TN 37129 | AFLAC | $364 | — | $364 | 0.78% |
| ANGELA DRAKE3 Filed as: ANGELA N DRAKE | 126 WINSFORD COURT MURFREESBORO, TN 37130 | AFLAC | $310 | $11 | $321 | 0.68% |
| JENNIFER P EARWOOD3 | 1357 TILTON DRIVE FRANKLIN, TN 37067 | AFLAC | $265 | $11 | $276 | 0.59% |
| DAVID M CRUMLEY3 | 5111 MARYLAND WAY SUITE 210 BRENTWOOD, TN 37027 | AFLAC | $215 | $27 | $242 | 0.52% |
| JADEANNE WAGNER3 | 742 WILLOWSPRINGS BOULEVARD FRANKLIN, TN 37064 | AFLAC | $205 | — | $205 | 0.44% |
| SEWELL AND ASSOCIATES INC3 | 1055 MISTY LAKE DRIVE LEBANON, TN 37087 | AFLAC | $186 | — | $186 | 0.40% |
| JANE E TUCKER3 | PO BOX 2825 SHELBYVILLE, TN 37162 | AFLAC | $143 | — | $143 | 0.31% |
| THOMAS J PITZENBERGER3 | 1501 SUGARLAND PARKWAY PLEASANT HILL, MO 64080 | AFLAC | $123 | — | $123 | 0.26% |
| STEVEN ELLERTH3 | 108 NESTLEDOWN CROSSING BEL BUCKLE, TN 37020 | AFLAC | $95 | — | $95 | 0.20% |
| LUKE COPELAND3 | 519 WELLS ROAD MERIDIANVILLE, AL 35759 | AFLAC | $92 | — | $92 | 0.20% |
| RONALD H RICHEY3 | 4023 LAURAWOOD LANE FRANKLIN, TN 37067 | AFLAC | $80 | — | $80 | 0.17% |
| EDWIN MCKNIGHT3 Filed as: EDWIN A MCKNIGHT | 1850 MEMORIAL BOULEVARD MURFREESBORO, TN 37129 | AFLAC | $68 | — | $68 | 0.15% |
| CONNIE T JAMES3 | 8041 ESTERBROOK DRIVE NASHVILLE, TN 37221 | AFLAC | $52 | — | $52 | 0.11% |
| J GARY CAVE3 | 6412 HARDING PIKE NASHVILLE, TN 37205 | AFLAC | $43 | — | $43 | 0.09% |
| JEAN L TRAVIS3 | 7037 BAY COVE TRAIL NASHVILLE, TN 37221 | AFLAC | $38 | — | $38 | 0.08% |
| CRUSER MARKETING INC3 | 7516 BLUEBONNET BOULEVARD SUITE 116 BATON ROUGE, LA 70810 | AFLAC | $29 | — | $29 | 0.06% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIRCLE CROSSVILLE, TN 38555 | AFLAC | $28 | — | $28 | 0.06% |
| VBTN, INC3 Filed as: VBTN INC | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $26 | — | $26 | 0.06% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $19 | — | $19 | 0.04% |
| GARTH KEMP3 | 21 MOSS FOREST CIRCLE JACKSON, MS 39211 | AFLAC | $16 | — | $16 | 0.03% |
| CARLA T WITHERINGTON3 | 1405 HERRING DRIVE COVINGTON, TN 38019 | AFLAC | $14 | — | $14 | 0.03% |
| AUSTIN RADER3 Filed as: AUSTIN RADAR | 106 FERRELL AVENUE SUITE 6 KINGSPORT, TN 37663 | AFLAC | $12 | — | $12 | 0.03% |
| MATT STEINHAUER III3 | 100 YORKSHIRE COURT HENDERSONVILLE, TN 37075 | AFLAC | $11 | — | $11 | 0.02% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BOULEVARD BRENTWOOD, TN 37027 | AFLAC | $11 | — | $11 | 0.02% |
| WILLIAM D HEYDEL3 | 524 CROWELL LANE LEBANON, TN 37087 | AFLAC | $11 | — | $11 | 0.02% |
| WILLIAM L DOZIER JR3 | 351 PASCOE BOULEVARD SUITE 100 BOWLING GREEN, KY 42104 | AFLAC | $9 | — | $9 | 0.02% |
| CHRISTOPHER P ODOM3 | 3353 GRANDADDY ROAD LAWRENCEBURG, TN 38464 | AFLAC | $7 | — | $7 | 0.01% |
| ALAN W MARTIN3 | 123 CENTER PARK DRIVE KNOXVILLE, TN 37922 | AFLAC | $5 | — | $5 | 0.01% |
| JAY S OLEARY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $5 | — | $5 | 0.01% |
| BRIAN E HICKS3 | 188 FRONT STREET SUITE 116 39 FRANKLIN, TN 37064 | AFLAC | $5 | — | $5 | 0.01% |
| WILLIAM D HEYDEL3 | 109 NORTH CASTLE HEIGHTS AVENUE LEBANON, TN 37087 | AFLAC | $4 | — | $4 | 0.01% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVENUE NASHVILLE, TN 37206 | AFLAC | $3 | — | $3 | 0.01% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $2 | — | $2 | 0.00% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $2 | — | $2 | 0.00% |
| ROGER MURRAY JOHNSON3 | 1311 DECATUR CIRCLE FRANKLIN, TN 37067 | AFLAC | $1 | — | $1 | 0.00% |
| AUTUMN BETHEA3 | 3023 CANDLELITE DRIVE SPRING HILL, TN 37174 | 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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 329 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 329 | $1.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 329 | $1.5M |
| Life insurance | AETNA LIFE INSURANCE CO. | 390 | $118K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 390 | $118K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 390 | $118K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 390 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.