| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DONALD HURWITZ3 | 1600 DIVISION ST STE 400 NASHVILLE, TN 37203 | HARTFORD LIFE AND ACCIDENT | $8K | $169 | $8K | 8.10% |
| RYAN ROTHROCK3 | 6 CADILLAC DRIVE STE 200 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $7K | — | $7K | 7.45% |
| KANDI H HECKLER3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $6K | $227 | $6K | 8.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC | 6 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | AFLAC | $3K | — | $3K | 4.98% |
| TIMOTHY CHAPPELL3 | 522 ROCK SPRINGS RD WATERTOWN, TN 37184 | AFLAC | $2K | — | $2K | 2.25% |
| EDWARD L HAMLETT3 Filed as: EDWARD LATRAIL HAMLETT | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $936 | $5 | $941 | 1.37% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $757 | $41 | $798 | 1.16% |
| BELINDA PICKEL3 Filed as: BELINDA B PICKEL | 113 WYNCREST CT HENDERSONVILLE, TN 37075 | AFLAC | $653 | $41 | $694 | 1.01% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $543 | — | $543 | 0.79% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $198 | $223 | $421 | 0.61% |
| PANCOAST & ASSOCIATES INC3 Filed as: PANCOAST AND ASSOCIATES | 4205 HILLSBORO PIKE STE 120 NASHVILLE, TN 37215 | AFLAC | $395 | — | $395 | 0.57% |
| ANGELA DRAKE3 Filed as: ANGELA N DRAKE | 126 WINSFORD CT MURFREESBORO, TN 37130 | AFLAC | $187 | — | $187 | 0.27% |
| STACEY LYNN JENKINS3 | 4604 DEEPWOOD DR LOUISVILLE, KY 40241 | AFLAC | $18 | — | $18 | 0.03% |
| ALAN W FOSTER3 | 716 FRENCH RIVER RD NOLENSVILLE, TN 37135 | AFLAC | $5 | — | $5 | 0.01% |
| ETHAN GREER3 | 558 CLINGMANS LN CHATTANOOGA, TN 37419 | AFLAC | $3 | — | $3 | 0.00% |
| ROBERT L GOBLE3 | 250 34TH AVE NE HICKORY, NC 28601 | AFLAC | $2 | — | $2 | 0.00% |
| PAMELA W EZZELL3 | 2947 CHERRYBARK CT HERMITAGE, TN 37076 | AFLAC | $0 | — | $0 | 0.00% |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $0 | — | $0 | 0.00% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 254 | $93K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 254 | $93K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 160 | $100K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 160 | $100K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 160 | $100K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 160 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.