| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES E MCELHANEY3 | 1610 S CHURCH ST, STE A MURFREESBORO, TN 37130 | BLUE CROSS BLUE SHIELD | $29K | — | $29K | 8.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 1610 S CHURCH ST, STE A MURFREESBORO, TN 37130 | HUMANA | $12K | — | $12K | 3.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 1 CHURCH ST, STE 500 ROCKVILLE, MD 20850 | PRINCIPAL | $19K | $2K | $21K | 15.37% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | PRINCIPAL | $6K | — | $6K | 4.60% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $3K | — | $3K | 7.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 300 W 10TH ST WEST POINT, GA 31833 | AFLAC | $2K | — | $2K | 5.62% |
| BELINDA PICKEL3 | 113 WYNCREST HENDERSONVILLE, TN 37075 | AFLAC | $572 | — | $572 | 1.49% |
| NOLAN MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $354 | — | $354 | 0.92% |
| MILLER AND LOUGHRY INS AND SVCS INC3 | 214 W COLLEGE ST MURFREESBORO, TN 37130 | AFLAC | $224 | — | $224 | 0.58% |
| EDWARD L HAMLETT3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $195 | — | $195 | 0.51% |
| CLIFFORD HALL3 | 319 COUNCIL BLUFF PWKY MURFREESBORO, TN 37127 | AFLAC | $129 | — | $129 | 0.34% |
| JAMES C FARMER JR3 Filed as: JAMES C FARMER | 262 CRIMSON SKY CT DRIPPING SPRINGS, TX 78620 | AFLAC | $87 | — | $87 | 0.23% |
| GARY W JOHNSON3 Filed as: GARY JOHNSON | 326 HOLLOW OAK DR SUMMERVILLE, SC 29486 | AFLAC | $78 | — | $78 | 0.20% |
| JOHN THOMAS3 | 2907 CHAUCER DR MURFREESBORO, TN 37129 | AFLAC | $74 | — | $74 | 0.19% |
| JAMES SMITH3 | 103 CHEROKEE BLVD STE 225 CHATTANOOGA, TN 37405 | AFLAC | $52 | — | $52 | 0.14% |
| JOSEPH KING3 | 2315 SANDALWOOD CREEK GLENCOE, MO 63038 | AFLAC | $45 | — | $45 | 0.12% |
| KARA E G AMONETT3 | 737 COTTONCLOUD DR LEBANON, TN 37090 | AFLAC | $42 | — | $42 | 0.11% |
| KELCIE HANNAH3 | 1026 DOUBLE BRIDGE RD LEBANON, TN 37091 | AFLAC | $42 | — | $42 | 0.11% |
| ROBERT HUTSON3 | 1441 HIGHWAY 52 E PORTLAND, TN 37148 | AFLAC | $39 | — | $39 | 0.10% |
| MIKE N SEWELL3 Filed as: MIKE SEWELL | 301 CLAYMORE DR HAMILTON, GA 31811 | AFLAC | $37 | — | $37 | 0.10% |
| ANGELA DRAKE3 | 126 WINSFORD CT MCMINNVILLE, TN 37130 | AFLAC | $33 | — | $33 | 0.09% |
| THOMAS WILLIAMSON3 | 2055 N MT JULIET RD MT JULIET, TN 37122 | AFLAC | $21 | — | $21 | 0.05% |
| AUSTIN RADER3 | 106 FERRELL AVE STE 6 KINGSPORT, TN 37663 | AFLAC | $16 | — | $16 | 0.04% |
| CHARLES DALLAS3 | 2521 DORSET ST MURFREESBORO, TN 37130 | AFLAC | $15 | — | $15 | 0.04% |
| RONALD H RICHEY3 Filed as: RONALD RICHEY | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $14 | — | $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% |
| KEITH E STEVENS3 | 2808 LOUISE RUSSELL DR ANTIOCH, TN 37013 | AFLAC | $8 | — | $8 | 0.02% |
| BRADLEY T VANDEGRIFFE3 Filed as: BRADLEY VANDEGRIFFE | 6025 BRADFORD CT JEFFERSON CITY, MO 65101 | AFLAC | $8 | — | $8 | 0.02% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $7 | — | $7 | 0.02% |
| JOSEPH GUNTHER3 | 4600 E WASHINGTON ST PHOENIX, AZ 85034 | AFLAC | $7 | — | $7 | 0.02% |
| JOHN H SEWELL3 Filed as: JOHN SEWELL | 1933 SHENANDOAH TRAIL LEBANON, TN 37087 | AFLAC | $5 | — | $5 | 0.01% |
| THOMAS PITZENBERGER3 | 1501 SUGARLAND PKWY PLEASANT HILL, MO 64080 | AFLAC | $4 | — | $4 | 0.01% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BLVD BRENTWOOD, TN 37027 | AFLAC | $4 | — | $4 | 0.01% |
| VBTN, INC3 Filed as: VBTN INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $2 | — | $2 | 0.01% |
| ALEXANDER I MIRO3 Filed as: ALEXANDER MIRO | 7160 DALLAS PKWY PLANO, TX 75024 | AFLAC | $2 | — | $2 | 0.01% |
| JAY OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $1 | — | $1 | 0.00% |
| ABBIE W COFFMAN3 Filed as: ABBIE COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $1 | — | $1 | 0.00% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $1 | — | $1 | 0.00% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 0.00% |
| MILLER AND LOUGHRY INS AND SVCS INC3 | PO BOX 7001 MURFREESBORO, TN 37130 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 3.56% |
| BENEFIT ENROLLMENT SERVICES INC3 Filed as: BENEFIT ENROLLMENT SERVICES | 210 CARDEN AVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 3.33% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $668 | — | $668 | — |
| MILLER AND LOUGHRY INS AND SVCS INC3 | 214 W COLLEGE ST MURFREESBORO, TN 37130 | AFLAC | $668 | — | $668 | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 300 W 10TH ST WEST POINT, GA 31833 | AFLAC | $410 | — | $410 | — |
| BELINDA PICKEL3 | 113 WYNCREST HENDERSONVILLE, TN 37075 | AFLAC | $115 | — | $115 | — |
| NOLAN MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37130 | AFLAC | $91 | — | $91 | — |
| JAMES SMITH3 | 615 ELINOR ST CHATTANOOGA, TN 37450 | AFLAC | $72 | — | $72 | — |
| CLIFFORD HALL3 | 319 COUNCIL BLUFF PWKY MURFREESBORO, TN 37130 | AFLAC | $71 | — | $71 | — |
| AUSTIN RADER3 | 525 W OAKLAND STE 7 JOHNSON CITY, TN 37604 | AFLAC | $44 | — | $44 | — |
| JANE TUCKER3 | 409 AMOS GAMBLE RD SHELBYVILLE, TN 37130 | AFLAC | $39 | — | $39 | — |
| EDWARD L HAMLETT3 | 5453 HASELL DR ROCKVALE, TN 37130 | AFLAC | $38 | — | $38 | — |
| THOMAS PITZENBERGER3 | 1501 SUGARLAND PKWY PLEASANT HILL, MO 64080 | AFLAC | $20 | — | $20 | — |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 132 SEDONA WOODS NOLENSVILLE, TN 37135 | AFLAC | $10 | — | $10 | — |
| TAMMY F PRATER3 Filed as: TAMMY PRATER | 1422 PEELED CHESTNUT LN SPARTA, TN 38583 | AFLAC | $7 | — | $7 | — |
| JAY OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $5 | — | $5 | — |
| ABBIE W COFFMAN3 Filed as: ABBIE COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $5 | — | $5 | — |
| DANNY BOGGS | 113 STAGECOACH PASS TULLAHOMA, TN 37388 | AFLAC | $5 | — | $5 | — |
| VBTN, INC3 Filed as: VBTN INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $4 | — | $4 | — |
| DOC N REESE3 Filed as: DOC REESE | 702 NORTHVIEW CIR LEBANON, TN 37087 | AFLAC | $3 | — | $3 | — |
| ALAN W MARTIN Filed as: ALAN MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $2 | — | $2 | — |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $2 | — | $2 | — |
| THOMAS WILLIAMSON3 | 2055 N MT JULIET RD MT JULIET, TN 37122 | AFLAC | $2 | — | $2 | — |
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 | 151 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 99 | $659K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 99 | $659K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 99 | $659K |
| Life insurance | PRINCIPAL | 151 | $137K |
| Short-term disability(4 contracts, 3 carriers) | PRINCIPAL | 151 | $176K |
| Long-term disability | PRINCIPAL | 151 | $137K |
| 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.