| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHASE R SINQUEFIELD3 | PO BOX 7001 MURFREESBORO, TN 37133 | BLUECROSS BLUESHIELD OF TENNESSEE INC | $42K | — | $42K | 5.95% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $3K | — | $3K | 7.58% |
| MILLER AND LOUGHRY INS AND SVCS INC3 | 214 W COLLEGE ST MURFREESBORO, TN 37130 | AFLAC | $2K | — | $2K | 4.80% |
| NOLAN MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $966 | — | $966 | 2.25% |
| JAMES SMITH3 | 103 CHEROKEE BLVD STE 225 CHATTANOOGA, TN 37405 | AFLAC | $353 | — | $353 | 0.82% |
| KATHERINE HALL3 | 319 COUNCIL BLUFF PWKY MURFREESBORO, TN 37127 | AFLAC | $186 | — | $186 | 0.43% |
| EDWARD L HAMLETT | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $175 | — | $175 | 0.41% |
| AUSTIN RADER3 | 106 FERRELL AVE STE 6 KINGSPORT, TN 37663 | AFLAC | $157 | — | $157 | 0.37% |
| JOHN THOMAS3 | 2907 CHAUCER DR MURFREESBORO, TN 37129 | AFLAC | $105 | — | $105 | 0.24% |
| JOHN GILLESPIE3 | 328 BRADFORD RD MCMINNVILLE, TN 37110 | AFLAC | $52 | — | $52 | 0.12% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $45 | — | $45 | 0.10% |
| SEWELL AND ASSOCIATES INC3 | 1055 MISTY LAKE DR LEBANON, TN 37087 | AFLAC | $43 | — | $43 | 0.10% |
| ROBERT HUTSON3 | 1441 HIGHWAY 52 E PORTLAND, TN 37148 | AFLAC | $43 | — | $43 | 0.10% |
| BELINDA PICKEL3 | 113 WYNCREST HENDERSONVILLE, TN 37075 | AFLAC | $40 | — | $40 | 0.09% |
| SANDY DALLAS3 | 4237 SUNDAY SILENCE WAY MURFREESBORO, TN 37128 | AFLAC | $37 | — | $37 | 0.09% |
| DAVID B RAY3 Filed as: DAVID RAY | 5122 STONEYWOOD DR SMYRNA, TN 37167 | AFLAC | $37 | — | $37 | 0.09% |
| JOSEPH KING | 2315 SANDALWOOD CREEK GLENCOE, MO 63038 | AFLAC | $33 | — | $33 | 0.08% |
| ANGELA DRAKE | 126 WINSFORD CT MCMINNVILLE, TN 37130 | AFLAC | $25 | — | $25 | 0.06% |
| DANNY BOGGS3 | 113 STAGECOACH PASS TULLAHOMA, TN 37388 | AFLAC | $22 | — | $22 | 0.05% |
| KEITH E STEVENS3 | 2808 LOUISE RUSSELL DR ANTIOCH, TN 37013 | AFLAC | $20 | — | $20 | 0.05% |
| RONALD H RICHEY3 Filed as: RONALD RICHEY | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $19 | — | $19 | 0.04% |
| VBTN, INC3 Filed as: VBTN INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $16 | — | $16 | 0.04% |
| ABBIE W COFFMAN3 Filed as: ABBIE COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $16 | — | $16 | 0.04% |
| JAY OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $14 | — | $14 | 0.03% |
| THOMAS PITZENBERGER3 | 1501 SUGARLAND PKWY PLEASANT HILL, MO 64080 | AFLAC | $10 | — | $10 | 0.02% |
| JOSHEPH STENNETT3 | PO BOX 1444 BOONEVILLE, MS 38829 | AFLAC | $9 | — | $9 | 0.02% |
| EMILY L PHIFER3 Filed as: EMILY PHIFER | 140 COUNTY ROAD 226 IUKA, MS 38852 | AFLAC | $7 | — | $7 | 0.02% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $7 | — | $7 | 0.02% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $7 | — | $7 | 0.02% |
| GEORGE GREENWOOD3 | 1008 TONYAWOOD DR OLD HICKORY, TN 37138 | AFLAC | $6 | — | $6 | 0.01% |
| KELSEY EVERT3 | 2055 N MOUNT JULIET RD STE 201 MT JULIET, TN 37127 | AFLAC | $6 | — | $6 | 0.01% |
| STACIE CHRISKE3 | 3080 VICWOOD DR MURFREESBORO, TN 37128 | AFLAC | $5 | — | $5 | 0.01% |
| JENNY SEWELL3 | 138 NICKOLAS CIR LEBANON, TN 37087 | AFLAC | $5 | — | $5 | 0.01% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS AND YERGER INSURANCE INC | PO BOX 1139 JACKSON, MS 39215 | AFLAC | $4 | — | $4 | 0.01% |
| RICKE THORNE3 | 321 W MAIN ST LEBANON, TN 37087 | AFLAC | $4 | — | $4 | 0.01% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BLVD BRENTWOOD, TN 37027 | AFLAC | $4 | — | $4 | 0.01% |
| CHIRSTY FISHER3 | 143B WILLOWBROOK DR SALTILLO, MS 38866 | AFLAC | $3 | — | $3 | 0.01% |
| MILLER AND LOUGHRY INS AND SVCS INC3 | 214 W COLLEGE ST MURFREESBORO, TN 37130 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | 808 GLENDALOUGH ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $539 | $539 | 2.19% |
| MILLER AND LOUGHRY INS AND SVCS INC3 | 214 W COLLEGE ST MURFREESBORO, TN 37130 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | 808 GLENDALOUGH ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $324 | $324 | 2.01% |
| 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 | $715 | — | $715 | 7.00% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $470 | — | $470 | 5.03% |
| MILLER AND LOUGHRY INS AND SVCS INC3 | 214 W COLLEGE ST MURFREESBORO, TN 37130 | AFLAC | $446 | — | $446 | 4.78% |
| JAMES SMITH3 | 103 CHEROKEE BLVD STE 225 CHATTANOOGA, TN 37405 | AFLAC | $140 | — | $140 | 1.50% |
| KATHERINE HALL3 | 319 COUNCIL BLUFF PWKY MURFREESBORO, TN 37127 | AFLAC | $134 | — | $134 | 1.43% |
| NOLAN MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $112 | — | $112 | 1.20% |
| EDWARD L HAMLETT3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $91 | — | $91 | 0.97% |
| AUSTIN RADER3 | 106 FERRELL AVE STE 6 KINGSPORT, TN 37663 | AFLAC | $87 | — | $87 | 0.93% |
| JANE E TUCKER3 | PO BOX 2825 SHELBYVILLE, TN 37162 | AFLAC | $73 | — | $73 | 0.78% |
| THOMAS PITZENBERGER3 | 1501 SUGARLAND PKWY PLEASANT HILL, MO 64080 | AFLAC | $38 | — | $38 | 0.41% |
| DANNY BOGGS3 | 113 STAGECOACH PASS TULLAHOMA, TN 37388 | AFLAC | $27 | — | $27 | 0.29% |
| TAMMY F PRATER3 Filed as: TAMMY PRATER | 1422 PEELED CHESTNUT SPARTA, TN 38583 | AFLAC | $20 | — | $20 | 0.21% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $17 | — | $17 | 0.18% |
| ABBIE W COFFMAN3 Filed as: ABBIE COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $10 | — | $10 | 0.11% |
| VBTN, INC3 Filed as: VBTN INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $9 | — | $9 | 0.10% |
| JAY OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $9 | — | $9 | 0.10% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $5 | — | $5 | 0.05% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $5 | — | $5 | 0.05% |
| ANGELA DRAKE3 | 126 WINSFORD CT MURFREESBORO, TN 37130 | AFLAC | $3 | — | $3 | 0.03% |
| AUTUMN BETHEA3 | 1053 MUNA CT SPRING HILL, TN 37174 | AFLAC | $2 | — | $2 | 0.02% |
| MILLER AND LOUGHRY INS AND SVCS INC3 | 214 W COLLEGE ST MURFREESBORO, TN 37130 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $919 | — | $919 | 10.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | 808 GLENDALOUGH ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $186 | $186 | 2.02% |
| DENNIS E TRAYWICK3 | 4701 TROUSDALE DR NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| MARILYNN DECKER3 | 5173 JOHN HAGAR RD HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| JESSICA LEAH SCHNEIDER3 | 210 CARDEN AVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| JAMES A SHARP3 | 1021 TULIP BLOSSOM DR HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| JAMES G MCALISTER3 | 4701 TROUSDALE DR NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| MILLER LOUGHRY BEACH INSURANCE SERV3 | PO BOX 7001 MURFREESBORO, TN 37133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4701 TROUSDALE DR NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE INC | 159 | $703K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE INC | 159 | $703K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE INC | 159 | $703K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 53 | $19K |
| Short-term disability(5 contracts, 4 carriers) | AFLAC | 71 | $87K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 21 | $16K |
| 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."
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.