| 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. | — | $38K | $38K | 1.79% |
| 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. | $3K | $28K | $31K | 1.44% |
| V E PENNEL Filed as: PENNEL INSURANCE CO | 5141 WHEELIS AVE MEMPHIS, TN 38117 | DELTA DENTAL OF TENNESSEE | $4K | — | $4K | 3.80% |
| SUE B KLINE | 413 OLD TOWNE DRIVE BRENTWOOD, TN 37027 | AFLAC | $2K | — | $2K | 4.40% |
| JONATHAN R KING Filed as: JONATHAN R. KING | 267 ROCK CASTLE DRIVE LEBANON, TN 37087 | AFLAC | $731 | — | $731 | 1.95% |
| JOHN DALLAS BYERS | 2026 VALLEY BROOK DR BRENTWOOD, TN 37027 | AFLAC | $479 | — | $479 | 1.28% |
| BRENT L GOODE Filed as: BRENT L. GOODE | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $233 | — | $233 | 0.62% |
| DAVID M CRUMLEY | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $163 | — | $163 | 0.44% |
| JOHN DALLAS BYERS | 2477 TITANS LN BRENTWOOD, TN 37027 | AFLAC | $97 | — | $97 | 0.26% |
| JON R OVERACRE Filed as: JON R. OVERACRE | 10502 W. 133RD TER APT 107 OVERALAND PARK, KS 66213 | AFLAC | $76 | — | $76 | 0.20% |
| JAY S OLEARY | 2000 GLEN ECHO RD NASHVILLE, TN 37215 | AFLAC | $72 | — | $72 | 0.19% |
| JOSEPH L LEDOUX | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $66 | — | $66 | 0.18% |
| TRISTAR BENEFIT SOLUTIONS LLC | 413 OLD TOWNE DRIVE BRENTWOOD, TN 37027 | AFLAC | $60 | — | $60 | 0.16% |
| CHAD M DEVINE Filed as: CHAD M. DEVINE | 1668 CONSTELLATION CT MURFREESBORO, TN 37129 | AFLAC | $58 | — | $58 | 0.15% |
| ALAN W FOSTER Filed as: ALAN W. FOSTER | 716 FRENCH RIVER RD NOLENSVILLE, TN 37135 | AFLAC | $19 | — | $19 | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: WILLIAM GLENN BROWN JR | 6639 BROKEN BOW DR ANTIOCH, TN 37013 | AFLAC | $15 | — | $15 | 0.04% |
| JORDAN S SMITH Filed as: JORDAN S. SMITH | 22 PUBLIC SQ STE 14 COLUMBIA, TN 38401 | AFLAC | $10 | — | $10 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: WILLIAM G BROWN | 7217 SANTEELAH WAY ANTIOCH, TN 37013 | AFLAC | $9 | — | $9 | 0.02% |
| VBTN, INC Filed as: VBTN INC. | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37216 | AFLAC | $8 | — | $8 | 0.02% |
| KANDI M MCINTYRE Filed as: KANDI M. MCINTYRE | 2000 MALLORY LANE SUITE 130-378 FRANKLIN, TN 37067 | AFLAC | $5 | — | $5 | 0.01% |
| CHAD M DEVINE | 6204 TUCKALEECHEE LN ANTIOCH, TN 37013 | AFLAC | $5 | — | $5 | 0.01% |
| ALAN W MARTIN | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $3 | — | $3 | 0.01% |
| JOANNA G MATHERLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $3 | — | $3 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES, INC | 5205 MARYLAND WAY STE 300 BRENTWOOD, TN 37027 | VISION SERVICE PLAN | $645 | — | $645 | 2.72% |
| V E PENNEL Filed as: VE PENNEL JR | 5141 WHEELIS DRIVE MEMPHIS, TN 381174519 | VISION SERVICE PLAN | $572 | — | $572 | 2.41% |
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. | 378 | $2.1M |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE PLAN OF THE RIVER VALLEY, INC. | 378 | $2.3M |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE PLAN OF THE RIVER VALLEY, INC. | 378 | $2.2M |
| Other | AFLAC | 62 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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.