| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DUDLEY CARTER3 Filed as: DUDLEY W. CARTER | 511 LONG HOLLOW PIKE GOODLETTSVILLE, TN 37072 | UNITEDHEALTHCARE INSURANCE COMPANY | $54K | — | $54K | 5.00% |
| DAVID M CRUMLEY3 Filed as: DAVID DRUMMOND | COWAN, HUB INTERNATIONAL 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $3K | — | $3K | 7.58% |
| JOHN BYERS3 Filed as: JOHN STOVER | 133 HOLIDAY COURT, SUITE 204 FRANKLIN, TN 37067 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $747 | — | $747 | 1.89% |
| DUDLEY CARTER3 | 511 LONG HOLLOW PIKE GOODLETTSVILLE, TN 37072 | USABLE LIFE | $4K | — | $4K | 15.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $902 | $503 | $1K | 5.58% |
| DUDLEY CARTER3 Filed as: DUDLEY W. CARTER | 511 LONG HOLLOW PIKE GOODLETTSVILLE, TN 37072 | UNION SECURITY INSURANCE COMPANY | $242 | — | $242 | 6.82% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES, INC. | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | UNION SECURITY INSURANCE COMPANY | $113 | — | $113 | 3.18% |
| DWIGHT A. WAGNER3 | 742 WILLOWSPRINGS BLVD. FRANKLIN, TN 37064 | AFLAC | $57 | — | $57 | 7.96% |
| J GARY CAVE3 | 6412 HARDING PIKE NASHVILLE, TN 37205 | AFLAC | $33 | — | $33 | 4.61% |
| WILLIAM A BRIGGS3 Filed as: WILLIAM A. BRIGGS | 1731 GAY THOMPSON RD. RAMER, TN 38367 | AFLAC | $12 | — | $12 | 1.68% |
| RICHARD D HEYDEL3 Filed as: RICHARD D. HEYDEL | 1921 OLD HICKORY BLVD. BRENTWOOD, TN 37027 | AFLAC | $5 | — | $5 | 0.70% |
| DAVID M CRUMLEY3 Filed as: DAVID E. WATSON | PO BOX 3094 BRENTWOOD, TN 37024 | AFLAC | $4 | — | $4 | 0.56% |
| CRUSER MARKETING INC3 Filed as: CRUSER MARKETING INC. | 7516 BLUEBONNET BLVD, #116 BATON ROUGE, LA 70810 | AFLAC | $4 | — | $4 | 0.56% |
| WILLIAM D HEYDEL3 Filed as: WILLIAM D. HEYDEL | 524 CROWELL LANE LEBANON, TN 37087 | AFLAC | $4 | — | $4 | 0.56% |
| BRENDA S SPEER3 Filed as: BRENDA S. SPEER | PO BOX 327 PULASKI, TN 38478 | AFLAC | $2 | — | $2 | 0.28% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 271 | $1.1M |
| Dental(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 144 | $44K |
| Vision | AFLAC | 4 | $716 |
| Life insurance | USABLE LIFE | 119 | $25K |
| Long-term disability | USABLE LIFE | 119 | $25K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 271 | $1.1M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 119 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.