| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY SPROUSE3 | PO BOX 1977 DUNLAP, TN 37327 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $68K | — | $68K | 3.71% |
| ALEX C BURTON | 1309 HOWELL LN COOKEVILLE, TN 38506 | AFLAC | $1K | $37 | $1K | 8.01% |
| STACY E BURTON | 1106 COUNTRY CLUB CT COOKEVILLE, TN 38501 | AFLAC | $178 | — | $178 | 1.30% |
| THOMAS M WILLIAMSON | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $123 | $9 | $132 | 0.96% |
| EVERETT C BICKEL | 10447 SW 62ND CT OCALA, FL 34476 | AFLAC | $120 | — | $120 | 0.88% |
| MARK WAYNE SPRADLING | 190 BLAYLOCK MOUNTAIN RD COOKEVILLE, TN 38506 | AFLAC | $108 | — | $108 | 0.79% |
| ROBERT EDWARD HARDWICK | 120 LAKEWOOD DR CROSSVILLE, TN 38558 | AFLAC | $92 | — | $92 | 0.67% |
| KELSEY DAVID EVERT | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $60 | — | $60 | 0.44% |
| OSCAR LYNN BOYD | 219 THUNDERBIRD DR HARVEST, AL 35749 | AFLAC | $52 | — | $52 | 0.38% |
| ABBIE W COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $33 | — | $33 | 0.24% |
| CHARLES HARTHUN Filed as: CHARLES BRYAN HARTHUN | 419 TYLER TRL JAMESTOWN, TN 38556 | AFLAC | $19 | — | $19 | 0.14% |
| HALEY NICOLE HARDWICK | 455 DEERFIELD RD CROSSVILLE, TN 38555 | AFLAC | $14 | $3 | $17 | 0.12% |
| DEBBIE A WHITENER | 432 SULLIVAN BEND RD ELMWOOD, TN 38560 | AFLAC | $16 | — | $16 | 0.12% |
| KANDI H HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $12 | — | $12 | 0.09% |
| MITCHELL MCCHURCH | 419 BLAIR LN LEBANON, TN 37087 | AFLAC | $10 | — | $10 | 0.07% |
| BRENT L GOODE | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $9 | — | $9 | 0.07% |
| GARY W LOVELL | PO BOX 90866 FRANKLIN, TN 37209 | AFLAC | $6 | — | $6 | 0.04% |
| MATTHEW D BUTLER | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $5 | — | $5 | 0.04% |
| ALAN W MARTIN | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $4 | — | $4 | 0.03% |
| JAY S OLEARY | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $3 | — | $3 | 0.02% |
| JOSEPH L LEDOUX | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $2 | — | $2 | 0.01% |
| RONALD H RICHEY | 4499 MURFREESBORO RD FRANKLIN, TN 37067 | AFLAC | $2 | — | $2 | 0.01% |
| VBTN, INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 0.01% |
| ALAN W MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $1 | — | $1 | 0.01% |
| JOANNA G MATHERLY | 4581 MAJESTIC MEADOWS DR ARRINGTON, TN 37014 | AFLAC | $1 | — | $1 | 0.01% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | $248 | $2K | 14.36% |
| LARRY SPROUSE3 | PO BOX 1977 DUNLAP, TN 37327 | USABLE LIFE | $621 | — | $621 | 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 | 201 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 175 | $1.8M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 175 | $1.8M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 175 | $1.8M |
| Life insurance | USABLE LIFE | 196 | $12K |
| Short-term disability | USABLE LIFE | 196 | $12K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 175 | $1.8M |
| Other | AFLAC | 28 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.