| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY SPROUSE3 | PO BOX 1977 DUNLAP, TN 37327 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $71K | — | $71K | 3.56% |
| ALEX C BURTON | 1309 HOWELL LN COOKEVILLE, TN 38506 | AFLAC | $2K | $23 | $2K | 8.44% |
| STACY E BURTON | 1106 COUNTRY CLUB CT COOKEVILLE, TN 38501 | AFLAC | $238 | — | $238 | 1.15% |
| ROBERT EDWARD HARDWICK | 120 LAKEWOOD DR CROSSVILLE, TN 38558 | AFLAC | $195 | $4 | $199 | 0.96% |
| MARK WAYNE SPRADLING | 190 BLAYLOCK MOUNTAIN RD COOKEVILLE, TN 38506 | AFLAC | $181 | — | $181 | 0.87% |
| EVERETT C BICKEL | 6310 SW 103RD LN OCALA, FL 34476 | AFLAC | $160 | — | $160 | 0.77% |
| KELSEY DAVID EVERT | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $150 | — | $150 | 0.72% |
| MITCHELL MCCHURCH | 1320 NORTHLYNN DR LEBANON, TN 37087 | AFLAC | $115 | — | $115 | 0.55% |
| THOMAS M WILLIAMSON | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $73 | $5 | $78 | 0.38% |
| OSCAR LYNN BOYD | 2511 OLD FAIRWAY RD HUNTSVILLE, AL 35806 | AFLAC | $70 | — | $70 | 0.34% |
| ABBIE W COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $42 | — | $42 | 0.20% |
| MATTHEW D BUTLER | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $19 | — | $19 | 0.09% |
| CHARLES HARTHUN Filed as: CHARLES B HARTHUN | 3790 FERNANDINA RD STE 103 COLUMBIA, SC 29210 | AFLAC | $18 | — | $18 | 0.09% |
| KANDI H HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $16 | — | $16 | 0.08% |
| DEBBIE A WHITENER | 326 LEBANON HWY CARTHAGE, TN 37030 | AFLAC | $15 | — | $15 | 0.07% |
| VBTN, INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $11 | — | $11 | 0.05% |
| LESLIE H SILTMAN | 207 MOORE DR BATESVILLE, MS 38606 | AFLAC | $10 | — | $10 | 0.05% |
| BRENT L GOODE | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $9 | — | $9 | 0.04% |
| ALAN W MARTIN | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $5 | — | $5 | 0.02% |
| JAY S OLEARY | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $5 | — | $5 | 0.02% |
| GARY W LOVELL | PO BOX 90866 FRANKLIN, TN 37209 | AFLAC | $5 | — | $5 | 0.02% |
| ALAN W MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $4 | — | $4 | 0.02% |
| JOSEPH L LEDOUX | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $2 | — | $2 | 0.01% |
| HALEY NICOLE HARDWICK | 455 DEERFIELD RD CROSSVILLE, TN 38555 | AFLAC | $2 | — | $2 | 0.01% |
| RONALD H RICHEY | 4499 MURFREESBORO RD FRANKLIN, TN 37067 | AFLAC | $2 | — | $2 | 0.01% |
| JOANNA G MATHERLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | 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 | $292 | $2K | 12.44% |
| LARRY SPROUSE | PO BOX 1977 DUNLAP, TN 37327 | USABLE LIFE | $732 | — | $732 | 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 | 237 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 246 | $2.0M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 246 | $2.0M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 246 | $2.0M |
| Life insurance | USABLE LIFE | 98 | $15K |
| Short-term disability | USABLE LIFE | 98 | $15K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 246 | $2.0M |
| Other | AFLAC | 42 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.