| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LARRY SPROUSE3 | PO BOX 1977 DUNLAP, TN 37327 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $104K | — | $104K | 5.56% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | $256 | $2K | 14.17% |
| LARRY SPROUSE3 | PO BOX 1977 DUNLAP, TN 37327 | USABLE LIFE | $640 | — | $640 | 5.00% |
| KIMBERLY BEAN | 1516 N MAPLE AVE COOKEVILLE, TN 38501 | AFLAC | $2K | — | $2K | — |
| WILLIAM BASS | 17 SUNNY VIEW LN CARTHAGE, TN 37030 | AFLAC | $851 | — | $851 | — |
| ALEX C BURTON | 1309 HOWELL LN COOKEVILLE, TN 38506 | AFLAC | $647 | — | $647 | — |
| THOMAS M WILLIAMSON | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $408 | — | $408 | — |
| STACY E BURTON | 1106 COUNTRY CLUB CT COOKEVILLE, TN 38501 | AFLAC | $165 | — | $165 | — |
| EVERETT C BICKEL | 10447 SW 62ND CT OCALA, FL 34476 | AFLAC | $96 | — | $96 | — |
| MARK WAYNE SPRADLING | 190 BLAYLOCK MOUNTAIN RD COOKEVILLE, TN 38506 | AFLAC | $81 | — | $81 | — |
| WENDY HARDWICK | 455 DEERFIELD RD CROSSVILLE, TN 38555 | AFLAC | $49 | — | $49 | — |
| KELSEY DAVID EVERT | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $45 | — | $45 | — |
| ABBIE W COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $30 | — | $30 | — |
| OSCAR LYNN BOYD | 219 THUNDERBIRD DR HARVEST, AL 35749 | AFLAC | $20 | — | $20 | — |
| KANDI H HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $10 | — | $10 | — |
| MITCHELL MCCHURCH | 419 BLAIR LN LEBANON, TN 37087 | AFLAC | $7 | — | $7 | — |
| MATTHEW D BUTLER Filed as: MATTHEW BUTLER | 1298 BUCKHORN WAY LOUDON, TN 37774 | AFLAC | $5 | — | $5 | — |
| HALEY NICOLE HARDWICK | 455 DEERFIELD RD CROSSVILLE, TN 38555 | AFLAC | $3 | — | $3 | — |
| ALAN W MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $2 | — | $2 | — |
| CHARLES HARTHUN Filed as: CHARLES BRYAN HARTHUN | 419 TYLER TRL JAMESTOWN, TN 38556 | AFLAC | $1 | — | $1 | — |
| BRENT L GOODE | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | — |
| VBTN, INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | — |
| JAY S OLEARY | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $1 | — | $1 | — |
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 | 198 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 166 | $1.9M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 166 | $1.9M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 166 | $1.9M |
| Life insurance | USABLE LIFE | 199 | $13K |
| Short-term disability | USABLE LIFE | 199 | $13K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 166 | $1.9M |
| Other | AFLAC | 33 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.