| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY SPROUSE3 | PO BOX 1977 DUNLAP, TN 37327 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $62K | — | $62K | 3.56% |
| ALEX C BURTON | 1309 HOWELL LN COOKEVILLE, TN 38506 | AFLAC | $2K | $119 | $2K | 8.66% |
| STACY E BURTON | 4083 CHARLTON SQ COOKEVILLE, TN 38501 | AFLAC | $310 | — | $310 | 1.23% |
| KELSEY DAVID EVERT | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $244 | $24 | $268 | 1.07% |
| MITCHELL MCCHURCH | 1320 NORTHLYNN DR LEBANON, TN 37087 | AFLAC | $210 | $24 | $234 | 0.93% |
| MARK WAYNE SPRADLING | 190 BLAYLOCK MOUNTAIN RD COOKEVILLE, TN 38506 | AFLAC | $208 | — | $208 | 0.83% |
| EVERETT C BICKEL | 6310 SW 103RD LN OCALA, FL 34476 | AFLAC | $199 | — | $199 | 0.79% |
| ROBERT EDWARD HARDWICK | 120 LAKEWOOD DR CROSSVILLE, TN 38558 | AFLAC | $122 | — | $122 | 0.49% |
| ABBIE W COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $54 | — | $54 | 0.21% |
| OSCAR LYNN BOYD | 255 N DAYHILL RD HARVEST, AL 35749 | AFLAC | $44 | — | $44 | 0.18% |
| OSCAR LYNN BOYD | 2511 OLD FAIRWAY RD HUNTSVILLE, AL 35806 | AFLAC | $29 | — | $29 | 0.12% |
| CHARLES HARTHUN Filed as: CHARLES B HARTHUN | 408 S TIPTON ST COVINGTON, TN 38019 | AFLAC | $25 | — | $25 | 0.10% |
| MATTHEW D BUTLER | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $25 | — | $25 | 0.10% |
| KANDI H HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $20 | — | $20 | 0.08% |
| VBTN, INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $18 | — | $18 | 0.07% |
| BRENT L GOODE | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $17 | — | $17 | 0.07% |
| DEBBIE A WHITENER | 326 LEBANON HWY CARTHAGE, TN 37030 | AFLAC | $15 | — | $15 | 0.06% |
| ALAN W MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $13 | — | $13 | 0.05% |
| JORDAN S SMITH | 240 WILSON PIKE CIR STE 200 BRENTWOOD, TN 37027 | AFLAC | $13 | — | $13 | 0.05% |
| LESLIE H SILTMAN | 207 MOORE DR BATESVILLE, MS 38606 | AFLAC | $10 | — | $10 | 0.04% |
| JAY S OLEARY | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $9 | — | $9 | 0.04% |
| KEVAN DUNN | 1135 WEDGEWOOD DR FRANKLIN, TN 37069 | AFLAC | $9 | — | $9 | 0.04% |
| JOHN DALLAS BYERS | 2026 VALLEY BROOK DR BRENTWOOD, TN 37027 | AFLAC | $9 | — | $9 | 0.04% |
| JORDAN S SMITH | 22 PUBLIC SQ STE 14 COLUMBIA, TN 38401 | AFLAC | $7 | — | $7 | 0.03% |
| ALAN W MARTIN | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $5 | — | $5 | 0.02% |
| GARY W LOVELL | PO BOX 682146 FRANKLIN, TN 37068 | AFLAC | $5 | — | $5 | 0.02% |
| JOSEPH L LEDOUX | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $4 | — | $4 | 0.02% |
| COLEMAN R WALKER | 106 WEBSTER ST PLAZA CENTER LEBANON, TN 37087 | AFLAC | $2 | — | $2 | 0.01% |
| RONALD E KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $2 | — | $2 | 0.01% |
| JOANNA G MATHERLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $2 | — | $2 | 0.01% |
| RONALD H RICHEY | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $2 | — | $2 | 0.01% |
| DAVID M CRUMLEY | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $1 | — | $1 | 0.00% |
| JOSHUA LEE JONES | 1307 CAMPANIA NEW BRANFELS, TX 78132 | AFLAC | $1 | — | $1 | 0.00% |
| CARLA T WITHERINGTON | 1405 HERRING DR COVINGTON, TN 38019 | AFLAC | $1 | — | $1 | 0.00% |
| DALE I DAVIS | 1856 TRAVELLER RD LEXINGTON, KY 40504 | AFLAC | $1 | — | $1 | 0.00% |
| GROUP INSURANCE SERVICES INC Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | $313 | $2K | 14.18% |
| LARRY SPROUSE | PO BOX 1977 DUNLAP, TN 37327 | USABLE LIFE | $782 | — | $782 | 5.00% |
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 | 183 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 226 | $1.7M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 226 | $1.7M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 226 | $1.7M |
| Life insurance | USABLE LIFE | 193 | $16K |
| Short-term disability | USABLE LIFE | 193 | $16K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 226 | $1.7M |
| Other | AFLAC | 47 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.