| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL BARCROFT3 | 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 | BLUERE OF TENNESSEE | $23K | — | $23K | 9.78% |
| TODD R EATON3 Filed as: TODD R. EATON | 6971 HEARTHSIDE CV MEMPHIS, TN 38119 | AFLAC | $1K | $129 | $1K | 5.37% |
| CAROLYN H BOLIN3 Filed as: CAROLYN H. BOLIN | 5284 SUMMER WIND LANE ARLINGTON, TN 38002 | AFLAC | $1K | $129 | $1K | 5.32% |
| JONATHAN L PENNINGTON3 Filed as: JONATHAN L. PENNINGTON | 1485 SISKIN DRIVE CORDOVA, TN 38016 | AFLAC | $560 | $52 | $612 | 2.27% |
| TIMOTHY J REED3 Filed as: TIMOTHY S. INGRAM | 1731 MOUNT ZION ROAD JACKSONVILLE, IL 62650 | AFLAC | $244 | $52 | $296 | 1.10% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DRIVE NORWALK, IA 50211 | AFLAC | $176 | — | $176 | 0.65% |
| QUINTON J MILES3 Filed as: QUINTON J. MILES | P.O. BOX 22434 CHARLESTON, SC 29413 | AFLAC | $150 | — | $150 | 0.56% |
| KATRINA T. GRAHAM3 | 4431 LUGARDA LANE MEMPHIS, TN 38125 | AFLAC | $133 | — | $133 | 0.49% |
| KENNETH BRADLEY ELDRED3 | 611 BELMONT ESTATES DRIVE HERNANDO, MS 38632 | AFLAC | $128 | — | $128 | 0.47% |
| DAVID S. LIESKE3 | 3441 WOLF SPRING LANE BARTLET, TN 38133 | AFLAC | $53 | — | $53 | 0.20% |
| LARRY D GROVES3 Filed as: LARRY D. GROVES | 309 COLERIDGE DRIVE DUNN, NC 28334 | AFLAC | $45 | — | $45 | 0.17% |
| ROBERT L GOBLE3 Filed as: ROBERT L. GOBLE | 250 34TH AVENUE NE HICKORY, NC 28601 | AFLAC | $45 | — | $45 | 0.17% |
| JAMES D STEPHENS3 Filed as: JAMES D. STEPHENS | 26710 MANDRAKE FALLS COURT KATY, TX 77494 | AFLAC | $41 | — | $41 | 0.15% |
| KATY SUZANNE AXENTE3 | 7020 PELICAN ISLAND DRIVE TAMPA, FL 33634 | AFLAC | $41 | — | $41 | 0.15% |
| TIMOTHY J REED3 Filed as: TIMOTHY S. INGRAM | 1355 LYNNFIELD STREET MEMPHIS, TN 38119 | AFLAC | $39 | — | $39 | 0.14% |
| SEWELL AND ASSOCIATES INC3 Filed as: SEWELL AND ASSOCIATES INC. | 1055 MISTY LAKE DRIVE LEBANON, TN 37215 | AFLAC | $25 | — | $25 | 0.09% |
| VBTN, INC3 Filed as: VBTN, INC. | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $22 | — | $22 | 0.08% |
| BRAD FREDERIKSEN3 | 31 FAIRWAY WOODS CIRCLE MAUMELLE, AR 72113 | AFLAC | $17 | — | $17 | 0.06% |
| PHILLIP L DAGASTINO3 Filed as: PHILLIP DAGASTINO | 5301 PECAN GROVE LANE MEMPHIS, TN 38120 | AFLAC | $16 | — | $16 | 0.06% |
| JAY S OLEARY3 Filed as: JAY S. OLEARY | 1802 EAVES COURT NOLENSVILLE, TN 37135 | AFLAC | $10 | — | $10 | 0.04% |
| PAMELA W EZZELL3 Filed as: PAMELA W. EZZELL | 2947 CHERRYBARK COURT HERMITAGE, TN 37076 | AFLAC | $10 | — | $10 | 0.04% |
| DAVID L KLEVAN3 Filed as: DAVID KLEVAN | P.O. BOX 38219 GERMANTOWN, TN 38183 | AFLAC | $5 | — | $5 | 0.02% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $5 | — | $5 | 0.02% |
| JOANNA G MATHERLY3 Filed as: JOANNA G. MATHERLY | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $5 | — | $5 | 0.02% |
| ROBERT L GOBLE3 Filed as: ROBERT L. GOBLE | 1410 4TH STREET DRIVE NW UNIT 208 HICKORY, NC 28601 | AFLAC | $4 | — | $4 | 0.01% |
| ROBERT C WEBB3 Filed as: ROBERT C. WEBB | 1856 PENSHURST DRIVE COLLIERVILLE, TN 38017 | AFLAC | $3 | — | $3 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD F. BROWN | 5150 BAY TOWN CONWAY, AR 72034 | AFLAC | $2 | — | $2 | 0.01% |
| AMY B CITRON3 Filed as: AMY CITRON | 1024 GRANADA AVENUE NASHVILLE, TN 37206 | AFLAC | $2 | — | $2 | 0.01% |
| BRADLEY BOLICK3 | 6433 FALL BRANCH DRIVE COLUMBUS, GA 31904 | AFLAC | $2 | — | $2 | 0.01% |
| TONYA SUE ELMORE3 | 1930 HIGHWAY 71 E MANSFIELD, AR 72944 | AFLAC | $2 | — | $2 | 0.01% |
| RONALD H RICHEY3 Filed as: RONALD H. RICHEY | 4023 LAURAWOOD LANE FRANKLIN, TN 37067 | AFLAC | $2 | — | $2 | 0.01% |
| CATHERINE H EDWARDS3 Filed as: CATHERINE H. EDWARDS | 368 FOUNTAIN LAKE DRIVE MEMPHIS, TN 38120 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID G WILLIAMS3 Filed as: DAVID G. WILLIAMS | 145 FAIRWAYS DRIVE HENDERSONVILLE, TN 37075 | AFLAC | $1 | — | $1 | 0.00% |
| KEITH R MOORE3 Filed as: KEITH R. MOORE | 135 WALNUT CREEK ROAD CORDOVA, TN 38018 | AFLAC | $1 | — | $1 | 0.00% |
| ROGER MURRAY JOHNSON3 | 1926 TURNING WHEEL LANE FRANKLIN, TN 37067 | AFLAC | $1 | — | $1 | 0.00% |
| CHARLES L CHANCELLOR3 Filed as: CHARLES L. CHANCELLOR | 903 WEATHERFORD DRIVE BENTON, AR 72015 | AFLAC | $1 | — | $1 | 0.00% |
| PAUL BARCROFT3 | 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 | BLUECROSS BLUESHIELD OF TENNESSEE | $3K | $88K | $90K | — |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUERE OF TENNESSEE | 378 | $238K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE | 423 | $125K |
| Vision | BLUECROSS BLUE SHIELD OF TENNESSEE, INC. | 400 | $16K |
| Life insurance | USABLE LIFE | 188 | $35K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 188 | $13K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 188 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.