| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID M CRUMLEY3 Filed as: DAVID M MASSEY | 6 CADILLAC DRIVE STE 200 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $41K | — | $41K | 2.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE STE 200 BRENTWOOD, TN 37027 | AETNA LIFE INSURANCE CO. | $20K | — | $20K | 14.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $2K | $14K | 10.34% |
| MCKNIGHT ADVISORY GROUP INC3 Filed as: MCKNIGHT ADVISORY GROUP | 1800 SRUTHERFORD BLVD STE 202 MURFREESBORO, TN 37130 | AFLAC | $6K | — | $6K | 9.67% |
| CLIFFORD G HALL3 | 319 COUNCIL BLUFF PKWY MURFREESBORO, TN 37127 | AFLAC | $2K | — | $2K | 2.98% |
| JENNIFER P EARWOOD3 | 1357 TILTON DR FRANKLIN, TN 37067 | AFLAC | $1K | $11 | $1K | 1.84% |
| THW INSURANCE SERVICES LLC3 | 321 W MAIN ST LEBANON, TN 37087 | AFLAC | $992 | — | $992 | 1.49% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $901 | $11 | $912 | 1.37% |
| ETHAN GREER3 | 325 CHEROKEE BLVD STE 102 CHATTANOOGA, TN 37405 | AFLAC | $871 | — | $871 | 1.31% |
| JOHN THOMAS3 Filed as: JOHN L THOMAS | 2907 CHAUCER DR MURFREESBORO, TN 37129 | AFLAC | $393 | — | $393 | 0.59% |
| TIMOTHY CHAPPELL3 | 522 ROCK SPRINGS RD WATERTOWN, TN 37184 | AFLAC | $382 | — | $382 | 0.57% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 103 CHEROKEE BLVD STE 225 CHATTANOOGA, TN 37405 | AFLAC | $303 | — | $303 | 0.46% |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $259 | — | $259 | 0.39% |
| SEWELL AND ASSOCIATES INC3 | 1055 MISTY LAKE DR LEBANON, TN 37087 | AFLAC | $202 | — | $202 | 0.30% |
| KANDI H HECKLER3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $192 | — | $192 | 0.29% |
| JANE E TUCKER3 | PO BOX 2825 SHELBYVILLE, TN 37162 | AFLAC | $172 | — | $172 | 0.26% |
| JADEANNE WAGNER3 | 742 WILLOWSPRINGS BLVD FRANKLIN, TN 37064 | AFLAC | $158 | — | $158 | 0.24% |
| ASHLEY P RADER3 | 230 BANKSHIRE RD BEECHGROVE, TN 37018 | AFLAC | $153 | — | $153 | 0.23% |
| THOMAS J PITZENBERGER3 | 1501 SUGARLAND PKWY PLEASANT HILL, MO 64080 | AFLAC | $147 | — | $147 | 0.22% |
| LUKE COPELAND3 | 519 WELLS RD MERIDIANVILLE, AL 35759 | AFLAC | $142 | — | $142 | 0.21% |
| DAVID M CRUMLEY3 | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $118 | — | $118 | 0.18% |
| STEVEN ELLERTH3 | 108 NESTLEDOWN CROSSING BELL BUCKLE, TN 37020 | AFLAC | $117 | — | $117 | 0.18% |
| RONALD H RICHEY3 | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $84 | — | $84 | 0.13% |
| CHRISTOPHER CRAIG WHEELER3 | 325 CHEROKEE BLVD STE 102 CHATTANOOGA, TN 37405 | AFLAC | $77 | — | $77 | 0.12% |
| ANGELA DRAKE3 Filed as: ANGELA N DRAKE | 126 WINSFORD CT MURFREESBORO, TN 37130 | AFLAC | $61 | — | $61 | 0.09% |
| CONNIE T JAMES3 | 8041 ESTERBROOK DR NASHVILLE, TN 37221 | AFLAC | $51 | — | $51 | 0.08% |
| DANNY BOGGS3 Filed as: DANNY J BOGGS | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $39 | — | $39 | 0.06% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $33 | — | $33 | 0.05% |
| VBTN, INC3 Filed as: VBTN INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $27 | — | $27 | 0.04% |
| J GARY CAVE3 | 6412 HARDING PIKE NASHVILLE, TN 37205 | AFLAC | $26 | — | $26 | 0.04% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $24 | — | $24 | 0.04% |
| CARLA T WITHERINGTON3 | 1405 HERRING DR COVINGTON, TN 38019 | AFLAC | $19 | — | $19 | 0.03% |
| CRUSER MARKETING INC3 | 7516 BLUEBONNET BLVD 116 BATON ROUGE, LA 70810 | AFLAC | $16 | — | $16 | 0.02% |
| GARTH KEMP3 | 21 MOSS FOREST CIR JACKSON, MS 39211 | AFLAC | $16 | — | $16 | 0.02% |
| JEAN L TRAVIS3 | 7037 BAY COVE TRL NASHVILLE, TN 37221 | AFLAC | $14 | — | $14 | 0.02% |
| AUSTIN RADER3 Filed as: AUSTIN RADAR | 106 FERRELL AVE STE 6 KINGSPORT, TN 37663 | AFLAC | $11 | — | $11 | 0.02% |
| WILLIAM L DOZIER JR3 | 351 PASCOE BLVD STE 100 BOWLING GREEN, KY 42104 | AFLAC | $11 | — | $11 | 0.02% |
| BRIAN E HICKS3 | 188 FRONT ST STE 11639 FRANKLIN, TN 37064 | AFLAC | $10 | — | $10 | 0.02% |
| MATT STEINHAUER III3 | 100 YORKSHIRE CT HENDERSONVILLE, TN 37075 | AFLAC | $10 | — | $10 | 0.02% |
| JAY S OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $10 | — | $10 | 0.02% |
| WILLIAM D HEYDEL3 | 109 N CASTLE HEIGHTS AVE LEBANON, TN 37087 | AFLAC | $8 | — | $8 | 0.01% |
| CHRISTOPHER P ODOM3 | 3353 GRANDADDY RD LAWRENCEBURG, TN 38464 | AFLAC | $8 | — | $8 | 0.01% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $8 | — | $8 | 0.01% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BLVD BRENTWOOD, TN 37027 | AFLAC | $7 | — | $7 | 0.01% |
| ALAN W MARTIN3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $6 | — | $6 | 0.01% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $4 | — | $4 | 0.01% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $3 | — | $3 | 0.00% |
| ROGER MURRAY JOHNSON3 | 1926 TURNING WHEEL LN FRANKLIN, TN 37067 | AFLAC | $2 | — | $2 | 0.00% |
| AUTUMN BETHEA3 | 1053 MUNA CT 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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 386 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 541 | $131K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 541 | $131K |
| Life insurance | AETNA LIFE INSURANCE CO. | 609 | $144K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 609 | $144K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 609 | $144K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 609 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 609 | — |
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.