| 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 | — | $43K | $43K | 7.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 1 CHURCH ST, STE 500 ROCKVILLE, MD 20850 | PRINCIPAL | $8K | — | $8K | 15.08% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | PRINCIPAL | — | $3K | $3K | 5.03% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $2K | $340 | $2K | 7.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 300 W 10TH ST WEST POINT, GA 31833 | AFLAC | $969 | — | $969 | 3.58% |
| MILLER AND LOUGHRY INS AND SVCS INC3 | 214 W COLLEGE ST MURFREESBORO, TN 37130 | AFLAC | $209 | — | $209 | 0.77% |
| TIMOTHY CHAPPELL3 | 522 ROCK SPRINGS RD WATERTOWN, TN 37184 | AFLAC | $198 | — | $198 | 0.73% |
| NOLAN MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $138 | — | $138 | 0.51% |
| EDWARD L HAMLETT3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $138 | — | $138 | 0.51% |
| BELINDA PICKEL3 | 113 WYNCREST HENDERSONVILLE, TN 37075 | AFLAC | $137 | — | $137 | 0.51% |
| CLIFFORD HALL3 | 319 COUNCIL BLUFF PWKY MURFREESBORO, TN 37127 | AFLAC | $121 | $0 | $121 | 0.45% |
| GK JOHNSON INC3 | 326 HOLLOW OAK DR SUMMERVILLE, SC 29486 | AFLAC | $95 | — | $95 | 0.35% |
| JOHN THOMAS3 | 2907 CHAUCER DR MURFREESBORO, TN 37129 | AFLAC | $69 | — | $69 | 0.26% |
| JAMES SMITH3 | 103 CHEROKEE BLVD STE 225 CHATTANOOGA, TN 37405 | AFLAC | $61 | — | $61 | 0.23% |
| JOSEPH KING3 | 2315 SANDALWOOD CREEK GLENCOE, MO 63038 | AFLAC | $45 | — | $45 | 0.17% |
| ROBERT HUTSON3 | 1441 HIGHWAY 52 E PORTLAND, TN 37148 | AFLAC | $43 | — | $43 | 0.16% |
| MIKE N SEWELL3 Filed as: MIKE SEWELL | 301 CLAYMORE DR HAMILTON, GA 31811 | AFLAC | $35 | — | $35 | 0.13% |
| KATHERINE HALL3 | 319 COUNCIL BLUFF PWKY MURFREESBORO, TN 37127 | AFLAC | $30 | — | $30 | 0.11% |
| AUSTIN RADER3 | 525 W OAKLAND STE 7 JOHNSON CITY, TN 37604 | AFLAC | $25 | — | $25 | 0.09% |
| ANGELA DRAKE3 | 126 WINSFORD CT MCMINNVILLE, TN 37130 | AFLAC | $17 | — | $17 | 0.06% |
| JANE TUCKER3 | 409 AMOS GAMBLE RD SHELBYVILLE, TN 37160 | AFLAC | $17 | — | $17 | 0.06% |
| MICHAEL ELLIS3 | 532 GARRICK PL OFALLON, MO 63368 | AFLAC | $14 | — | $14 | 0.05% |
| KARA E G AMONETT3 | 737 COTTONCLOUD DR LEBANON, TN 37090 | AFLAC | $14 | — | $14 | 0.05% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $13 | — | $13 | 0.05% |
| RONALD H RICHEY3 Filed as: RONALD RICHEY | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $13 | — | $13 | 0.05% |
| BRADLEY T VANDEGRIFFE3 Filed as: BRADLEY VANDEGRIFFE | 6025 BRADFORD CT JEFFERSON CITY, MO 65101 | AFLAC | $9 | — | $9 | 0.03% |
| THOMAS PITZENBERGER3 | 1501 SUGARLAND PKWY PLEASANT HILL, MO 64080 | AFLAC | $9 | — | $9 | 0.03% |
| JOHN H SEWELL3 Filed as: JOHN SEWELL | 1933 SHENANDOAH TRAIL LEBANON, TN 37087 | AFLAC | $5 | — | $5 | 0.02% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BLVD BRENTWOOD, TN 37027 | AFLAC | $4 | — | $4 | 0.01% |
| DANNY BOGGS3 | 113 STAGECOACH PASS TULLAHOMA, TN 37388 | AFLAC | $4 | — | $4 | 0.01% |
| JAY OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $2 | — | $2 | 0.01% |
| ABBIE W COFFMAN3 Filed as: ABBIE COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $2 | — | $2 | 0.01% |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 95 | $601K |
| Dental | BLUE CROSS BLUE SHIELD | 95 | $601K |
| Vision | BLUE CROSS BLUE SHIELD | 95 | $601K |
| Life insurance | PRINCIPAL | 157 | $53K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL | 157 | $80K |
| Long-term disability | PRINCIPAL | 157 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.