| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 633 CHESTNUT STREET SUITE 820 CHATTANOOGA, TN 37450 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 7.47% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | AETNA LIFE INSURANCE CO. | $9K | — | $9K | 6.24% |
| MCKNIGHT ADVISORY GROUP INC3 | 1850 MEMEORIAL BOULEVARD MURFREESBORO, TN 37129 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 1.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 11.06% |
| MCKNIGHT ADVISORY GROUP INC3 Filed as: MCKNIGHT ADVISORY GROUP | 1850 MEMORIAL BOULEVARD MURFREESBORO, TN 37129 | AFLAC | $3K | — | $3K | 6.18% |
| CLIFFORD G HALL3 | 319 COUNCIL BLUFF PARKWAY MURFREESBORO, TN 37127 | AFLAC | $2K | $72 | $2K | 4.28% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 103 CHEROKEE BOULEVARD SUITE 225 CHATTANOOGA, TN 37405 | AFLAC | $630 | $52 | $682 | 1.34% |
| JENNIFER P EARWOOD3 | 1357 TILTON DRIVE FRANKLIN, TN 37067 | AFLAC | $582 | $11 | $593 | 1.17% |
| KANDI H HECKLER3 | 5453 HASELL DRIVE ROCKVALE, TN 37153 | AFLAC | $425 | — | $425 | 0.84% |
| JOHN THOMAS3 Filed as: JOHN L THOMAS | 2907 CHAUCER DRIVE MURFREESBORO, TN 37129 | AFLAC | $400 | — | $400 | 0.79% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DRIVE SUITE 108 MURFREESBORO, TN 37129 | AFLAC | $321 | — | $321 | 0.63% |
| EDWIN MCKNIGHT3 Filed as: EDWIN A MCKNIGHT | 1850 MEMORIAL BOULEVARD MURFREESBORO, TN 37129 | AFLAC | $205 | — | $205 | 0.40% |
| SEWELL AND ASSOCIATES INC3 | 1055 MISTY LAKE DRIVE LEBANON, TN 37087 | AFLAC | $204 | — | $204 | 0.40% |
| ASHLEY P RADER3 | 242 HERITAGE PARK DRIVE SUITE 106 MURFREESBORO, TN 37129 | AFLAC | $200 | — | $200 | 0.39% |
| JADEANNE WAGNER3 | 742 WILLOWSPRINGS BOULEVARD FRANKLIN, TN 37064 | AFLAC | $177 | — | $177 | 0.35% |
| JANE E TUCKER3 | PO BOX 2825 SHELBYVILLE, TN 37162 | AFLAC | $157 | — | $157 | 0.31% |
| DAVID M CRUMLEY3 | 5111 MARYLAND WAY SUITE 210 BRENTWOOD, TN 37027 | AFLAC | $139 | — | $139 | 0.27% |
| ANGELA DRAKE3 Filed as: ANGELA N DRAKE | 126 WINSFORD COURT MURFREESBORO, TN 37130 | AFLAC | $128 | $11 | $139 | 0.27% |
| THOMAS J PITZENBERGER3 | 1501 SUGARLAND PARKWAY PLEASANT HILL, MO 64080 | AFLAC | $135 | — | $135 | 0.27% |
| LUKE COPELAND3 | 519 WELLS ROAD MERIDIANVILLE, AL 35759 | AFLAC | $114 | — | $114 | 0.22% |
| STEVEN ELLERTH3 | 108 NESTLEDOWN CROSSING BELL BUCKLE, TN 37020 | AFLAC | $105 | — | $105 | 0.21% |
| RONALD H RICHEY3 | 4023 LAURAWOOD LANE FRANKLIN, TN 37067 | AFLAC | $85 | — | $85 | 0.17% |
| ASHLEY P RADER3 | 242 HERITAGE PARK DRIVE SUITE 106 MURFREESBORO, TN 37129 | AFLAC | $45 | $14 | $59 | 0.12% |
| CONNIE T JAMES3 | 8041 ESTERBROOK DRIVE NASHVILLE, TN 37221 | AFLAC | $47 | — | $47 | 0.09% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIRCLE CROSSVILLE, TN 38555 | AFLAC | $30 | — | $30 | 0.06% |
| J GARY CAVE3 | 6412 HARDING PIKE NASHVILLE, TN 37205 | AFLAC | $28 | — | $28 | 0.06% |
| VBTN, INC3 Filed as: VBTN INC | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $28 | — | $28 | 0.06% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $21 | — | $21 | 0.04% |
| CRUSER MARKETING INC3 | 7516 BLUEBONNET BOULEVARD SUITE 116 BATON ROUGE, LA 70810 | AFLAC | $20 | — | $20 | 0.04% |
| CARLA T WITHERINGTON3 | 1405 HERRING DRIVE COVINGTON, TN 38019 | AFLAC | $18 | — | $18 | 0.04% |
| GARTH KEMP3 | 21 MOSS FOREST CIRCLE JACKSON, MS 39211 | AFLAC | $17 | — | $17 | 0.03% |
| JEAN L TRAVIS3 | 7037 BAY COVE TRAIL NASHVILLE, TN 37221 | AFLAC | $13 | — | $13 | 0.03% |
| AUSTIN RADER3 Filed as: AUSTIN RADAR | 106 FERRELL AVENUE SUITE 6 KINGSPORT, TN 37663 | AFLAC | $12 | — | $12 | 0.02% |
| BRIAN E HICKS3 | 188 FRONT STREET SUITE 11639 FRANKLIN, TN 37064 | AFLAC | $10 | — | $10 | 0.02% |
| MATT STEINHAUER III3 | 100 YORKSHIRE COURT HENDERSONVILLE, TN 37075 | AFLAC | $10 | — | $10 | 0.02% |
| JAY S OLEARY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $10 | — | $10 | 0.02% |
| WILLIAM D HEYDEL3 | 524 CROWELL LANE LEBANON, TN 37087 | AFLAC | $10 | — | $10 | 0.02% |
| WILLIAM L DOZIER JR3 | 351 PASCOE BOULEVARD SUITE 100 BOWLING GREEN, KY 42104 | AFLAC | $10 | — | $10 | 0.02% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BOULEVARD BRENTWOOD, TN 37027 | AFLAC | $7 | — | $7 | 0.01% |
| CHRISTOPHER P ODOM3 | 3353 GRANDADDY ROAD LAWRENCEBURG, TN 38464 | AFLAC | $7 | — | $7 | 0.01% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVENUE NASHVILLE, TN 37206 | AFLAC | $7 | — | $7 | 0.01% |
| ALAN W MARTIN3 | 123 CENTER PARK DRIVE KNOXVILLE, TN 37922 | AFLAC | $5 | — | $5 | 0.01% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $4 | — | $4 | 0.01% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $3 | — | $3 | 0.01% |
| ROGER MURRAY JOHNSON3 | 1926 TURNING WHEEL LANE FRANKLIN, TN 37067 | AFLAC | $2 | — | $2 | 0.00% |
| AUTUMN BETHEA3 | 3023 CANDLELITE DRIVE SPRING HILL, TN 37174 | AFLAC | $2 | — | $2 | 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 | 173 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 383 | $110K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 383 | $110K |
| Life insurance | AETNA LIFE INSURANCE CO. | 414 | $140K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 414 | $140K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 414 | $140K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 414 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.