| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIRGIL E PENNEL JR3 Filed as: VIRGIL PENNEL JR. | 5141 WHEELIS AVE MEMPHIS, TN 38117 | UNITED HEALTHCARE PLAN OF THE RIVER VALLEY, INC. | $3K | $48K | $51K | 3.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PLACE, 14TH FLOOR FINANC ITASCA, IL 60143 | UNITED HEALTHCARE PLAN OF THE RIVER VALLEY, INC. | — | $10K | $10K | 0.61% |
| V E PENNEL Filed as: PENNEL INSURANCE CO | 5141 WHEELIS AVE MEMPHIS, TN 38117 | DELTA DENTAL OF TENNESSEE | $7K | — | $7K | 5.06% |
| SUE B KLINE | 413 OLD TOWNE DRIVE BRENTWOOD, TN 37027 | AFLAC | $1K | — | $1K | 3.75% |
| JONATHAN R KING Filed as: JONATHAN R. KING | 267 ROCK CASTLE DRIVE LEBANON, TN 37087 | AFLAC | $784 | — | $784 | 2.30% |
| JOHN DALLAS BYERS | 2477 TITANS LANE BRENTWOOD, TN 37027 | AFLAC | $532 | — | $532 | 1.56% |
| BRENT L GOODE Filed as: BRENT L. GOODE | 301 MALLORY STATION ROAD SUITE 100 FRANKLIN, TN 37067 | AFLAC | $216 | — | $216 | 0.63% |
| TRISTAR BENEFIT SOLUTIONS LLC | 413 OLD TOWNE DRIVE BRENTWOOD, TN 37027 | AFLAC | $137 | — | $137 | 0.40% |
| JON R OVERACRE Filed as: JON R. OVERACRE | 4751 TROUSDALE DRIVE SUITE 100 NASHVILLE, TN 37220 | AFLAC | $91 | — | $91 | 0.27% |
| CHAD M DEVINE Filed as: CHAD M. DEVINE | 204 NORTH MAIN STREET SUITE 24 DICKSON, TN 37055 | AFLAC | $58 | — | $58 | 0.17% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: WILLIAM GLENN BROWN JR | 7217 SANTEELAH WAY ANTIOCH, TN 37013 | AFLAC | $40 | — | $40 | 0.12% |
| ALAN W FOSTER Filed as: ALAN W. FOSTER | 8696 RAMBLING ROSE DRIVE OOLTEWAH, TN 37363 | AFLAC | $27 | — | $27 | 0.08% |
| JORDAN S SMITH Filed as: JORDAN S. SMITH | 4751 TROUSDALE DRIVE SUITE 106 NASHVILLE, TN 37220 | AFLAC | $14 | — | $14 | 0.04% |
| JAY S OLEARY | 2000 GLEN ECHO RD NASHVILLE, TN 37215 | AFLAC | $12 | — | $12 | 0.04% |
| JOSEPH L LEDOUX | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $11 | — | $11 | 0.03% |
| VBTN, INC Filed as: VBTN INC. | 301 MALLORY STATION ROAD SUITE 100 FRANKLIN, TN 37067 | AFLAC | $7 | — | $7 | 0.02% |
| KANDI M MCINTYRE Filed as: KANDI M. MCINTYRE | 2000 MALLORY LANE SUITE 130-378 FRANKLIN, TN 37067 | AFLAC | $7 | — | $7 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: WILLIAM G BROWN | 149 CLAYBROOK LANE ANTIOCH, TN 37013 | AFLAC | $6 | — | $6 | 0.02% |
| ALAN W MARTIN | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $1 | — | $1 | 0.00% |
| JOANNA G MATHERLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 0.00% |
| V E PENNEL Filed as: VE PENNEL JR | 5141 WHEELIS DRIVE MEMPHIS, TN 381174519 | VISION SERVICE PLAN | $1K | — | $1K | 4.63% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES, INC | 5205 MARYLAND WAY STE 300 BRENTWOOD, TN 37027 | VISION SERVICE PLAN | $121 | — | $121 | 0.51% |
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) | UNITED HEALTHCARE PLAN OF THE RIVER VALLEY, INC. | 409 | $1.7M |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE PLAN OF THE RIVER VALLEY, INC. | 409 | $1.8M |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE PLAN OF THE RIVER VALLEY, INC. | 409 | $1.7M |
| Other | AFLAC | 80 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.