| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY SPROUSE3 | PO BOX 1977 DUNLAP, TN 37327 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $67K | — | $67K | 3.57% |
| ALEX C BURTON | 1309 HOWELL LN COOKEVILLE, TN 38506 | AFLAC | $2K | $15 | $2K | 7.22% |
| STACY E BURTON | 1106 COUNTRY CLUB CT COOKEVILLE, TN 38501 | AFLAC | $275 | — | $275 | 1.22% |
| MARK WAYNE SPRADLING | 190 BLAYLOCK MOUNTAIN RD COOKEVILLE, TN 38506 | AFLAC | $203 | — | $203 | 0.90% |
| KELSEY DAVID EVERT | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $183 | $3 | $186 | 0.83% |
| EVERETT C BICKEL | 6310 SW 103RD LN OCALA, FL 34476 | AFLAC | $179 | — | $179 | 0.79% |
| ROBERT EDWARD HARDWICK | 120 LAKEWOOD DR CROSSVILLE, TN 38558 | AFLAC | $138 | — | $138 | 0.61% |
| MITCHELL MCCHURCH | 1320 NORTHLYNN DR LEBANON, TN 37087 | AFLAC | $133 | $3 | $136 | 0.60% |
| OSCAR LYNN BOYD | 2511 OLD FAIRWAY RD HUNTSVILLE, AL 35806 | AFLAC | $70 | — | $70 | 0.31% |
| ABBIE W COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $48 | — | $48 | 0.21% |
| THOMAS M WILLIAMSON | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $21 | — | $21 | 0.09% |
| MATTHEW D BUTLER | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $19 | — | $19 | 0.08% |
| CHARLES HARTHUN Filed as: CHARLES B HARTHUN | 10396 SW 65TH TER OCALA, FL 34476 | AFLAC | $18 | — | $18 | 0.08% |
| KANDI H HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $18 | — | $18 | 0.08% |
| VBTN, INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $17 | — | $17 | 0.08% |
| DEBBIE A WHITENER | 326 LEBANON HWY CARTHAGE, TN 37030 | AFLAC | $15 | — | $15 | 0.07% |
| LESLIE H SILTMAN | 207 MOORE DR BATESVILLE, MS 38606 | AFLAC | $10 | — | $10 | 0.04% |
| BRENT L GOODE | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $9 | — | $9 | 0.04% |
| ALAN W MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $7 | — | $7 | 0.03% |
| JAY S OLEARY | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $6 | — | $6 | 0.03% |
| ALAN W MARTIN | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $5 | — | $5 | 0.02% |
| JOSEPH L LEDOUX | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $2 | — | $2 | 0.01% |
| GARY W LOVELL | PO BOX 682146 FRANKLIN, TN 37068 | AFLAC | $2 | — | $2 | 0.01% |
| RONALD H RICHEY | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $2 | — | $2 | 0.01% |
| JOANNA G MATHERLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $2 | — | $2 | 0.01% |
| RONALD E KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | 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 | $1K | $282 | $2K | 12.60% |
| LARRY SPROUSE | PO BOX 1977 DUNLAP, TN 37327 | USABLE LIFE | $706 | — | $706 | 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 | 214 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 244 | $1.9M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 244 | $1.9M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 244 | $1.9M |
| Life insurance | USABLE LIFE | 92 | $14K |
| Short-term disability | USABLE LIFE | 92 | $14K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 244 | $1.9M |
| Other | AFLAC | 45 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.