| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 1610 S CHURCH ST, STE A MURFREESBORO, TN 37130 | HUMANA | $25K | $3K | $28K | 4.16% |
| THE CASON GROUP INC3 Filed as: CASON GROUP INC | 1612 MARION ST COLUMBIA, SC 29201 | HUMANA | $13K | — | $13K | 1.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 1 CHURCH ST, STE 500 ROCKVILLE, MD 20850 | PRINCIPAL | $15K | $8K | $23K | 23.67% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | PRINCIPAL | $5K | $421 | $5K | 5.50% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $3K | $152 | $3K | 8.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 300 W 10TH ST WEST POINT, GA 31833 | AFLAC | $2K | — | $2K | 3.94% |
| NOLAN MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $860 | $260 | $1K | 2.85% |
| MILLER AND LOUGHRY INS AND SVCS INC3 | 214 W COLLEGE ST MURFREESBORO, TN 37130 | AFLAC | $1K | — | $1K | 2.68% |
| EDWARD L HAMLETT3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $661 | — | $661 | 1.68% |
| BELINDA PICKEL3 | 113 WYNCREST HENDERSONVILLE, TN 37075 | AFLAC | $579 | — | $579 | 1.47% |
| JAMES SMITH3 | 103 CHEROKEE BLVD STE 225 CHATTANOOGA, TN 37405 | AFLAC | $179 | — | $179 | 0.46% |
| KATHERINE HALL3 | 319 COUNCIL BLUFF PWKY MURFREESBORO, TN 37127 | AFLAC | $171 | — | $171 | 0.43% |
| JOHN THOMAS3 | 2907 CHAUCER DR MURFREESBORO, TN 37129 | AFLAC | $96 | — | $96 | 0.24% |
| AUSTIN RADER3 | 106 FERRELL AVE STE 6 KINGSPORT, TN 37663 | AFLAC | $74 | — | $74 | 0.19% |
| ANGELA DRAKE3 | 126 WINSFORD CT MCMINNVILLE, TN 37130 | AFLAC | $69 | — | $69 | 0.18% |
| JOSEPH KING3 | 2315 SANDALWOOD CREEK GLENCOE, MO 63038 | AFLAC | $51 | — | $51 | 0.13% |
| ROBERT HUTSON3 | 1441 HIGHWAY 52 E PORTLAND, TN 37148 | AFLAC | $39 | — | $39 | 0.10% |
| SEWELL AND ASSOCIATES INC3 | 1055 MISTY LAKE DR LEBANON, TN 37087 | AFLAC | $37 | — | $37 | 0.09% |
| CHARLES DALLAS3 | 2521 DORSET ST MURFREESBORO, TN 37130 | AFLAC | $34 | — | $34 | 0.09% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $20 | — | $20 | 0.05% |
| JOSEPH GUNTHER3 | 4600 E WASHINGTON ST PHOENIX, AZ 85034 | AFLAC | $20 | — | $20 | 0.05% |
| KEITH E STEVENS3 | 2808 LOUISE RUSSELL DR ANTIOCH, TN 37013 | AFLAC | $18 | — | $18 | 0.05% |
| RONALD H RICHEY3 Filed as: RONALD RICHEY | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $17 | — | $17 | 0.04% |
| ABBIE W COFFMAN3 Filed as: ABBIE COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $14 | — | $14 | 0.04% |
| DANNY BOGGS3 | 113 STAGECOACH PASS TULLAHOMA, TN 37388 | AFLAC | $11 | $3 | $14 | 0.04% |
| MICHAEL ELLIS3 | 532 GARRICK PL OFALLON, MO 63368 | AFLAC | $13 | — | $13 | 0.03% |
| JOHN GILLESPIE3 | 328 BRADFORD RD MCMINNVILLE, TN 37110 | AFLAC | $13 | — | $13 | 0.03% |
| POWERS GROUP3 | 6825 CLAYTON AVE ST LOUIS, MO 63139 | AFLAC | $12 | — | $12 | 0.03% |
| THOMAS PITZENBERGER3 | 1501 SUGARLAND PKWY PLEASANT HILL, MO 64080 | AFLAC | $9 | — | $9 | 0.02% |
| BRADLEY T VANDEGRIFFE3 Filed as: BRADLEY VANDEGRIFFE | 6025 BRADFORD CT JEFFERSON CITY, MO 65101 | AFLAC | $8 | — | $8 | 0.02% |
| VBTN, INC3 Filed as: VBTN INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $7 | — | $7 | 0.02% |
| JAY OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $6 | — | $6 | 0.02% |
| JOHN H SEWELL3 Filed as: JOHN SEWELL | 1933 SHENANDOAH TRAIL LEBANON, TN 37087 | AFLAC | $5 | — | $5 | 0.01% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BLVD BRENTWOOD, TN 37027 | AFLAC | $4 | — | $4 | 0.01% |
| ALEXANDER I MIRO3 Filed as: ALEXANDER MIRO | 7160 DALLAS PKWY PLANO, TX 75024 | AFLAC | $4 | — | $4 | 0.01% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $3 | — | $3 | 0.01% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $3 | — | $3 | 0.01% |
| STACIE CHRISKE3 | 3080 VICWOOD DR MURFREESBORO, TN 37128 | AFLAC | $2 | — | $2 | 0.01% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $725 | $29 | $754 | 7.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 300 W 10TH ST WEST POINT, GA 31833 | AFLAC | $339 | — | $339 | 3.25% |
| MILLER LOUGHRY BEACH INSURANCE SERV3 | PO BOX 7001 MURFREESBORO, TN 37133 | AFLAC | $339 | — | $339 | 3.25% |
| EDWARD L HAMLETT3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $131 | $19 | $150 | 1.44% |
| BELINDA PICKEL3 | 113 WYNCREST HENDERSONVILLE, TN 37075 | AFLAC | $129 | — | $129 | 1.24% |
| JAMES SMITH3 Filed as: JAMES B SMITH | 615 ELINOR ST CHATTANOOGA, TN 37405 | AFLAC | $110 | — | $110 | 1.06% |
| NOLAN MCCUE3 | 242 HERITAGE PARK DR STE 108 NASHVILLE, TN 37220 | AFLAC | $105 | — | $105 | 1.01% |
| CLIFFORD HALL3 | 319 COUNCIL BLUFF PWKY MURFREESBORO, TN 37129 | AFLAC | $87 | — | $87 | 0.83% |
| AUSTIN RADER3 | 525 W OAKLAND AVE JOHNSON CITY, TN 37604 | AFLAC | $66 | — | $66 | 0.63% |
| JANE TUCKER3 | 409 AMOS GAMBLE RD SHELBYVILLE, TN 37160 | AFLAC | $48 | — | $48 | 0.46% |
| THOMAS PITZENBERGER3 | 1501 SUGARLAND PKWY PLEASANT HILL, MO 64080 | AFLAC | $25 | — | $25 | 0.24% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $15 | — | $15 | 0.14% |
| TAMMY F PRATER3 Filed as: TAMMY PRATER | 1422 PEELED CHESTNUT LN SPARTA, TN 38583 | AFLAC | $14 | — | $14 | 0.13% |
| DOC N REESE3 Filed as: DOC REESE | 830 CASTLE HEIGHTS LEBANON, TN 37087 | AFLAC | $8 | — | $8 | 0.08% |
| JAY OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $8 | — | $8 | 0.08% |
| DANNY BOGGS3 | 113 STAGECOACH PASS TULLAHOMA, TN 37388 | AFLAC | $7 | — | $7 | 0.07% |
| VBTN, INC3 Filed as: VBTN INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $6 | — | $6 | 0.06% |
| ABBIE W COFFMAN3 Filed as: ABBIE COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $6 | — | $6 | 0.06% |
| THOMAS WILLIAMSON3 | 2055 N MT JULIET RD MT JULIET, TN 37122 | AFLAC | $4 | — | $4 | 0.04% |
| ELAINE HICKMAN3 | PO BOX 3274 PULASKI, TN 38478 | AFLAC | $2 | — | $2 | 0.02% |
| ANGELA DRAKE3 | 126 WINSFORD CT MURFREESBORO, TN 37130 | AFLAC | — | — | $0 | 0.00% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | — | — | $0 | 0.00% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | — | — | $0 | 0.00% |
| MILLER LOUGHRY BEACH INSURANCE SERV3 | PO BOX 7001 MURFREESBORO, TN 37133 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 3.36% |
| BENEFIT ENROLLMENT SERVICES INC3 Filed as: BENEFIT ENROLLMENT SERVICES | 210 CARDEN AVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 2.91% |
| MARILYN DECKER3 | 5173 JOHN HAGAR RD HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 1.34% |
| DENNIS E TRAYWICK3 Filed as: DENNIS TRAYWICK | 6738 FLAT CREEK RD COLLEGE GROVE, TN 37046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.67% |
| JAMES SHARP3 | 1021 TULIP BLOSSOM DR HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.67% |
| JAMES G MCALISTER3 Filed as: JAMES MCALLISTER | 4701 TROUSDALE DR NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.34% |
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 | 117 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 151 | $670K |
| Dental | HUMANA | 151 | $670K |
| Vision | HUMANA | 151 | $670K |
| Life insurance | PRINCIPAL | 117 | $96K |
| Short-term disability(4 contracts, 3 carriers) | PRINCIPAL | 117 | $146K |
| Long-term disability | PRINCIPAL | 117 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.