| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| V E PENNEL3 Filed as: V E PENNEL JR. | 5141 WHEELIS AVE MEMPHIS, TN 38117 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $76K | — | $76K | 3.93% |
| SUE B KLINE | 413 OLD TOWNE DRIVE BRENTWOOD, TN 37027 | AFLAC | $1K | $81 | $1K | 4.03% |
| JONATHAN R KING Filed as: JONATHAN R. KING | 267 ROCK CASTLE DRIVE LEBANON, TN 37087 | AFLAC | $721 | — | $721 | 2.26% |
| JOHN DALLAS BYERS | 2477 TITANS LANE BRENTWOOD, TN 37027 | AFLAC | $511 | — | $511 | 1.60% |
| BRENT L GOODE Filed as: BRENT L. GOODE | 301 MALLORY STATION ROAD SUITE 100 FRANKLIN, TN 37067 | AFLAC | $209 | — | $209 | 0.65% |
| CHAD M DEVINE Filed as: CHAD M. DEVINE | 204 NORTH MAIN STREET SUITE 24 DICKSON, TN 37055 | AFLAC | $81 | $16 | $97 | 0.30% |
| JON R OVERACRE Filed as: JON R. OVERACRE | 4751 TROUSDALE DRIVE SUITE 100 NASHVILLE, TN 37220 | AFLAC | $69 | $16 | $85 | 0.27% |
| VBTN, INC Filed as: VBTN INC. | 301 MALLORY STATION ROAD SUITE 100 FRANKLIN, TN 37067 | AFLAC | $21 | $16 | $37 | 0.12% |
| ALAN W FOSTER Filed as: ALAN W. FOSTER | 8696 RAMBLING ROSE DRIVE OOLTEWAH, TN 37363 | AFLAC | $24 | — | $24 | 0.08% |
| JORDAN S SMITH Filed as: JORDAN S. SMITH | 4751 TROUSDALE DRIVE SUITE 106 NASHVILLE, TN 37220 | AFLAC | $13 | — | $13 | 0.04% |
| KANDI M MCINTYRE Filed as: KANDI M. MCINTYRE | 2000 MALLORY LANE SUITE 130-378 FRANKLIN, TN 37067 | AFLAC | $9 | — | $9 | 0.03% |
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 | 161 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 395 | $1.9M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 395 | $1.9M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 395 | $1.9M |
| Other | AFLAC | 80 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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."
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.