| 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 | $21K | — | $21K | 3.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 1 CHURCH ST, STE 500 ROCKVILLE, MD 20850 | PRINCIPAL | $16K | — | $16K | 15.03% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | PRINCIPAL | $5K | — | $5K | 5.01% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $2K | — | $2K | 7.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 300 W 10TH ST WEST POINT, GA 31833 | AFLAC | $2K | — | $2K | 5.77% |
| BELINDA PICKEL3 | 113 WYNCREST HENDERSONVILLE, TN 37075 | AFLAC | $496 | — | $496 | 1.60% |
| MILLER AND LOUGHRY INS AND SVCS INC3 | 214 W COLLEGE ST MURFREESBORO, TN 37130 | AFLAC | $463 | — | $463 | 1.49% |
| EDWARD L HAMLETT3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $393 | — | $393 | 1.27% |
| NOLAN MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $363 | — | $363 | 1.17% |
| KATHERINE HALL3 | 319 COUNCIL BLUFF PWKY MURFREESBORO, TN 37127 | AFLAC | $173 | — | $173 | 0.56% |
| JAMES SMITH3 | 103 CHEROKEE BLVD STE 225 CHATTANOOGA, TN 37405 | AFLAC | $115 | — | $115 | 0.37% |
| JOHN THOMAS3 | 2907 CHAUCER DR MURFREESBORO, TN 37129 | AFLAC | $98 | — | $98 | 0.32% |
| ANGELA DRAKE3 | 126 WINSFORD CT MCMINNVILLE, TN 37130 | AFLAC | $65 | — | $65 | 0.21% |
| JOSEPH KING3 | 2315 SANDALWOOD CREEK GLENCOE, MO 63038 | AFLAC | $55 | — | $55 | 0.18% |
| ROBERT HUTSON3 | 1441 HIGHWAY 52 E PORTLAND, TN 37148 | AFLAC | $43 | — | $43 | 0.14% |
| AUSTIN RADER3 | 106 FERRELL AVE STE 6 KINGSPORT, TN 37663 | AFLAC | $42 | — | $42 | 0.14% |
| SEWELL AND ASSOCIATES INC3 | 1055 MISTY LAKE DR LEBANON, TN 37087 | AFLAC | $40 | — | $40 | 0.13% |
| CHARLES DALLAS3 | 2521 DORSET ST MURFREESBORO, TN 37130 | AFLAC | $37 | — | $37 | 0.12% |
| JOSEPH GUNTHER3 | 4600 E WASHINGTON ST PHOENIX, AZ 85034 | AFLAC | $20 | — | $20 | 0.06% |
| KEITH E STEVENS3 | 2808 LOUISE RUSSELL DR ANTIOCH, TN 37013 | AFLAC | $20 | — | $20 | 0.06% |
| RONALD H RICHEY3 Filed as: RONALD RICHEY | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $17 | — | $17 | 0.05% |
| MICHAEL ELLIS3 | 532 GARRICK PL OFALLON, MO 63368 | AFLAC | $14 | — | $14 | 0.05% |
| JOHN GILLESPIE3 | 328 BRADFORD RD MCMINNVILLE, TN 37110 | AFLAC | $14 | — | $14 | 0.05% |
| ABBIE W COFFMAN3 Filed as: ABBIE COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $12 | — | $12 | 0.04% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $10 | — | $10 | 0.03% |
| THOMAS PITZENBERGER3 | 1501 SUGARLAND PKWY PLEASANT HILL, MO 64080 | AFLAC | $10 | — | $10 | 0.03% |
| BRADLEY T VANDEGRIFFE3 Filed as: BRADLEY VANDEGRIFFE | 6025 BRADFORD CT JEFFERSON CITY, MO 65101 | AFLAC | $9 | — | $9 | 0.03% |
| ELAINE HICKMAN3 | PO BOX 327 PULASKI, TN 38478 | AFLAC | $5 | — | $5 | 0.02% |
| JOHN H SEWELL3 Filed as: JOHN SEWELL | 1933 SHENANDOAH TRAIL LEBANON, TN 37087 | AFLAC | $5 | — | $5 | 0.02% |
| ALEXANDER I MIRO3 Filed as: ALEXANDER MIRO | 7160 DALLAS PKWY PLANO, TX 75024 | AFLAC | $5 | — | $5 | 0.02% |
| CLAY E. JOHNSON3 Filed as: CLAY JOHNSON | 928 LONGWOOD BLUFFS CIR MURRELL INLET, SC 29576 | AFLAC | $5 | — | $5 | 0.02% |
| VBTN, INC3 Filed as: VBTN INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $4 | — | $4 | 0.01% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BLVD BRENTWOOD, TN 37027 | AFLAC | $4 | — | $4 | 0.01% |
| JAY OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $3 | — | $3 | 0.01% |
| POWERS GROUP3 | 6825 CLAYTON AVE ST LOUIS, MO 63139 | AFLAC | $3 | — | $3 | 0.01% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $2 | — | $2 | 0.01% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $2 | — | $2 | 0.01% |
| DANNY BOGGS3 | 113 STAGECOACH PASS TULLAHOMA, TN 37388 | AFLAC | $1 | — | $1 | 0.00% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $1K | — | $1K | 7.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 300 W 10TH ST WEST POINT, GA 31833 | AFLAC | $836 | — | $836 | 5.84% |
| BELINDA PICKEL3 | 113 WYNCREST HENDERSONVILLE, TN 37075 | AFLAC | $226 | — | $226 | 1.58% |
| MILLER AND LOUGHRY INS AND SVCS INC3 | 214 W COLLEGE ST MURFREESBORO, TN 37130 | AFLAC | $221 | — | $221 | 1.54% |
| NOLAN MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37130 | AFLAC | $149 | — | $149 | 1.04% |
| JAMES SMITH3 | 615 ELINOR ST CHATTANOOGA, TN 37450 | AFLAC | $119 | — | $119 | 0.83% |
| KATHERINE HALL3 | 319 COUNCIL BLUFF PWKY MURFREESBORO, TN 37130 | AFLAC | $81 | — | $81 | 0.57% |
| EDWARD L HAMLETT3 | 5453 HASELL DR ROCKVALE, TN 37130 | AFLAC | $80 | — | $80 | 0.56% |
| AUSTIN RADER3 | 525 W OAKLAND STE 7 JOHNSON CITY, TN 37604 | AFLAC | $71 | — | $71 | 0.50% |
| JANE TUCKER3 | 409 AMOS GAMBLE RD SHELBYVILLE, TN 37130 | AFLAC | $44 | — | $44 | 0.31% |
| THOMAS PITZENBERGER3 | 1501 SUGARLAND PKWY PLEASANT HILL, MO 64080 | AFLAC | $23 | — | $23 | 0.16% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 132 SEDONA WOODS NOLENSVILLE, TN 37135 | AFLAC | $16 | — | $16 | 0.11% |
| TAMMY F PRATER3 Filed as: TAMMY PRATER | 1422 PEELED CHESTNUT LN SPARTA, TN 38583 | AFLAC | $16 | — | $16 | 0.11% |
| DOC N REESE3 Filed as: DOC REESE | 702 NORTHVIEW CIR LEBANON, TN 37087 | AFLAC | $8 | — | $8 | 0.06% |
| JAY OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $8 | — | $8 | 0.06% |
| ANGELA DRAKE3 | 126 WINSFORD CT MURFREESBORO, TN 37130 | AFLAC | $8 | — | $8 | 0.06% |
| VBTN, INC3 Filed as: VBTN INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $7 | — | $7 | 0.05% |
| ABBIE W COFFMAN3 Filed as: ABBIE COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $6 | — | $6 | 0.04% |
| DANNY BOGGS | 113 STAGECOACH PASS TULLAHOMA, TN 37388 | AFLAC | $6 | — | $6 | 0.04% |
| ELAINE HICKMAN | PO BOX 327 PULASKI, TN 38478 | AFLAC | $4 | — | $4 | 0.03% |
| ALAN W MARTIN Filed as: ALAN MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $4 | — | $4 | 0.03% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $4 | — | $4 | 0.03% |
| THOMAS WILLIAMSON3 | 2055 N MT JULIET RD MT JULIET, TN 37122 | AFLAC | $4 | — | $4 | 0.03% |
| CLAY E. JOHNSON3 Filed as: CLAY JOHNSON | 928 LONGWOOD BLUFFS CIR MURRELL INLET, SC 29576 | AFLAC | $3 | — | $3 | 0.02% |
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 | 139 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 89 | $558K |
| Dental | HUMANA | 89 | $558K |
| Vision | HUMANA | 89 | $558K |
| Life insurance | PRINCIPAL | 139 | $105K |
| Short-term disability(4 contracts, 3 carriers) | PRINCIPAL | 139 | $151K |
| Long-term disability | PRINCIPAL | 139 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.