| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHASE R SINQUEFIELD3 | PO BOX 7001 MURFREESBORO, TN 37133 | BLUECROSS BLUESHIELD OF TENNESSEE INC | $37K | — | $37K | 6.51% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $4K | $505 | $4K | 9.35% |
| MILLER AND LOUGHRY INS AND SVCS INC3 | 214 W COLLEGE ST MURFREESBORO, TN 37130 | AFLAC | $3K | $0 | $3K | 6.69% |
| ANGELA DRAKE3 | 126 WINSFORD CT MURFREESBORO, TN 37130 | AFLAC | $813 | $101 | $914 | 1.95% |
| JAMES SMITH3 | 103 CHEROKEE BLVD STE 225 CHATTANOOGA, TN 37405 | AFLAC | $636 | $91 | $727 | 1.55% |
| NOLAN MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $307 | $10 | $317 | 0.68% |
| AUSTIN RADER3 | 106 FERRELL AVE STE 6 KINGSPORT, TN 37663 | AFLAC | $211 | $0 | $211 | 0.45% |
| KATHERINE HALL3 | 319 COUNCIL BLUFF PWKY MURFREESBORO, TN 37127 | AFLAC | $211 | $0 | $211 | 0.45% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $120 | $0 | $120 | 0.26% |
| JOHN THOMAS3 | 2907 CHAUCER DR MURFREESBORO, TN 37129 | AFLAC | $120 | $0 | $120 | 0.26% |
| JOSHEPH STENNETT3 | PO BOX 1444 BOONEVILLE, MS 38829 | AFLAC | $83 | $26 | $109 | 0.23% |
| JOHN GILLESPIE3 | 328 BRADFORD RD MCMINNVILLE, TN 37110 | AFLAC | $62 | $0 | $62 | 0.13% |
| SEWELL AND ASSOCIATES INC3 | 1055 MISTY LAKE DR LEBANON, TN 37087 | AFLAC | $57 | $0 | $57 | 0.12% |
| ROBERT HUTSON3 | 1441 HIGHWAY 52 E PORTLAND, TN 37148 | AFLAC | $43 | $0 | $43 | 0.09% |
| EMILY L PHIFER3 Filed as: EMILY PHIFER | 140 COUNTY ROAD 226 IUKA, MS 38852 | AFLAC | $36 | $5 | $41 | 0.09% |
| SANDY DALLAS3 | 4237 SUNDAY SILENCE WAY MURFREESBORO, TN 37128 | AFLAC | $37 | $0 | $37 | 0.08% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | PO BOX 1139 JACKSON, MS 39215 | AFLAC | $35 | $0 | $35 | 0.07% |
| VBTN, INC3 Filed as: VBTN INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $26 | $0 | $26 | 0.06% |
| CHIRSTY FISHER3 | 143B WILLOWBROOK DR SALTILLO, MS 38866 | AFLAC | $21 | $5 | $26 | 0.06% |
| GEORGE GREENWOOD3 | 1008 TONYAWOOD DR OLD HICKORY, TN 37138 | AFLAC | $25 | $0 | $25 | 0.05% |
| RONALD H RICHEY3 Filed as: RONALD RICHEY | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $25 | $0 | $25 | 0.05% |
| JAY OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $23 | $0 | $23 | 0.05% |
| KEITH E STEVENS3 | 2808 LOUISE RUSSELL DR ANTIOCH, TN 37013 | AFLAC | $20 | $0 | $20 | 0.04% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $17 | $0 | $17 | 0.04% |
| STACIE CHRISKE3 | 3080 VICWOOD DR MURFREESBORO, TN 37128 | AFLAC | $16 | $0 | $16 | 0.03% |
| ABBIE W COFFMAN3 Filed as: ABBIE COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $16 | $0 | $16 | 0.03% |
| RICKE THORNE3 | 321 W MAIN ST LEBANON, TN 37087 | AFLAC | $14 | $0 | $14 | 0.03% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | AFLAC | $13 | $0 | $13 | 0.03% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $12 | $0 | $12 | 0.03% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $12 | $0 | $12 | 0.03% |
| THOMAS J PITZENBERGER3 Filed as: THOMAS PITZENBERGER | 1501 SUGARLAND PKWY PLEASANT HILL, MO 64080 | AFLAC | $10 | $0 | $10 | 0.02% |
| JENNY SEWELL3 | 138 NICKOLAS CIR LEBANON, TN 37087 | AFLAC | $5 | $0 | $5 | 0.01% |
| JAIME HUTTON3 | 1893 HIGHWAY 25 GALLATIN, TN 37066 | AFLAC | $4 | $0 | $4 | 0.01% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BLVD BRENTWOOD, TN 37027 | AFLAC | $4 | $0 | $4 | 0.01% |
| DAVID B RAY3 Filed as: DAVID RAY | 5122 STONEYWOOD DR SMYRNA, TN 37167 | AFLAC | $2 | $0 | $2 | 0.00% |
| AUTUMN BETHEA3 | 1053 MUNA CT SPRING HILL, TN 37174 | AFLAC | $1 | $0 | $1 | 0.00% |
| KELSEY EVERT3 | 2055 N MOUNT JULIET RD STE 201 MT JULIET, TN 37127 | AFLAC | $1 | $0 | $1 | 0.00% |
| MATT STEINHAUER III3 | 100 YORKSHIRE CT HENDERSONVILLE, TN 37075 | AFLAC | $1 | $0 | $1 | 0.00% |
| BRIAN HICKS3 | 188 FRONT ST STE 11639 FRANKLIN, TN 37064 | AFLAC | $1 | $0 | $1 | 0.00% |
| MILLER AND LOUGHRY INS AND SVCS INC3 | 214 W COLLEGE ST MURFREESBORO, TN 37130 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| MILLER AND LOUGHRY INS AND SVCS INC3 | 214 W COLLEGE ST MURFREESBORO, TN 37130 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $826 | $826 | 2.49% |
| MILLER AND LOUGHRY INS AND SVCS INC3 | 214 W COLLEGE ST MURFREESBORO, TN 37130 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MILLER AND LOUGHRY INS AND SVCS INC3 | 214 W COLLEGE ST MURFREESBORO, TN 37130 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $446 | $446 | 2.33% |
| MILLER LOUGHRY BEACH INSURANCE SERV3 | PO BOX 7001 MURFREESBORO, TN 37133 | USABLE LIFE | $2K | — | $2K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $844 | $328 | $1K | 7.15% |
| MILLER AND LOUGHRY INS AND SVCS INC3 | 214 W COLLEGE ST MURFREESBORO, TN 37130 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| MILLER AND LOUGHRY INS AND SVCS INC3 | 214 W COLLEGE ST MURFREESBORO, TN 37130 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $236 | $236 | 2.25% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $345 | $31 | $376 | 4.42% |
| MILLER AND LOUGHRY INS AND SVCS INC3 | 214 W COLLEGE ST MURFREESBORO, TN 37130 | AFLAC | $280 | $0 | $280 | 3.29% |
| JAMES SMITH3 | 103 CHEROKEE BLVD STE 225 CHATTANOOGA, TN 37405 | AFLAC | $161 | $0 | $161 | 1.89% |
| KATHERINE HALL3 | 319 COUNCIL BLUFF PWKY MURFREESBORO, TN 37127 | AFLAC | $114 | $0 | $114 | 1.34% |
| AUSTIN RADER3 | 106 FERRELL AVE STE 6 KINGSPORT, TN 37663 | AFLAC | $100 | $0 | $100 | 1.18% |
| JANE E TUCKER3 | PO BOX 2825 SHELBYVILLE, TN 37162 | AFLAC | $62 | $0 | $62 | 0.73% |
| ANGELA DRAKE3 | 126 WINSFORD CT MURFREESBORO, TN 37130 | AFLAC | $39 | $6 | $45 | 0.53% |
| THOMAS J PITZENBERGER3 Filed as: THOMAS PITZENBERGER | 1501 SUGARLAND PKWY PLEASANT HILL, MO 64080 | AFLAC | $33 | $0 | $33 | 0.39% |
| NOLAN MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $22 | $6 | $28 | 0.33% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $19 | $0 | $19 | 0.22% |
| VBTN, INC3 Filed as: VBTN INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $10 | $0 | $10 | 0.12% |
| JAY OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $10 | $0 | $10 | 0.12% |
| ABBIE W COFFMAN3 Filed as: ABBIE COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $8 | $0 | $8 | 0.09% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $5 | $0 | $5 | 0.06% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $5 | $0 | $5 | 0.06% |
| AUTUMN BETHEA3 | 1053 MUNA CT SPRING HILL, TN 37174 | AFLAC | $2 | $0 | $2 | 0.02% |
| MILLER LOUGHRY BEACH INSURANCE SERV3 | PO BOX 7001 MURFREESBORO, TN 37133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 3.85% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4701 TROUSDALE DR NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 3.25% |
| MARILYNN DECKER3 | 5173 JOHN HAGAR RD HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 1.20% |
| JAMES A SHARP3 | 1021 TULIP BLOSSOM DR HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.96% |
| DENNIS E TRAYWICK3 | 4701 TROUSDALE DR NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.72% |
| JAMES G MCALISTER3 | 4701 TROUSDALE DR NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.36% |
| JESSICA LEAH SCHNEIDER3 | 210 CARDEN AVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.12% |
| MILLER LOUGHRY BEACH INSURANCE SERV3 | PO BOX 7001 MURFREESBORO, TN 37133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 4.48% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4701 TROUSDALE DR NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 2.35% |
| JAMES G MCALISTER3 | 4701 TROUSDALE DR NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 1.92% |
| DENNIS E TRAYWICK3 | 4701 TROUSDALE DR NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 1.07% |
| BRANDI TAFT3 | 822 B NEARTOP DR NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.85% |
| MARILYNN DECKER3 | 5173 JOHN HAGAR RD HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.85% |
| JAMES A SHARP3 | 1021 TULIP BLOSSOM DR HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.85% |
| JESSICA LEAH SCHNEIDER3 | 210 CARDEN AVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.21% |
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 | 98 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE INC | 159 | $575K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE INC | 159 | $575K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE INC | 159 | $575K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 98 | $27K |
| Short-term disability(6 contracts, 4 carriers) | AFLAC | 113 | $106K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.