| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HANES TORBETT3 Filed as: HANES TORBETT CORPORATE INS GROUP | 2306 KNOB CREEK RD #104 JOHNSON CITY, TN 37604 | UNITEDHEALTHCARE PLAN OF THE RIVER VALLEY, INC. | $42K | $3K | $45K | 3.75% |
| HANES TORBETT3 | 2306 KNOB CREEK RD STE 104 JOHNSON CITY, TN 37604 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $15K | $4K | $19K | 17.75% |
| STEPHEN L FOSTER3 Filed as: STEPHEN FOSTER | PO BOX 4334 JOHNSON CITY, TN 37602 | AFLAC | $5K | $295 | $5K | 6.03% |
| JEFFREY GASTON COPELAND3 Filed as: JEFFREY COPELAND | 100 HARTSFILED CENTER PKWY STE 500 ATLANTA, GA 30354 | AFLAC | $2K | — | $2K | 1.85% |
| JACKSON D RHODES3 Filed as: JACKSON RHODES | 525 W. OAKLAND AVE, STE 7 JOHNSON CITY, TN 37604 | AFLAC | $929 | $59 | $988 | 1.18% |
| RYAN DREBING3 | 525 W OAKLAND AVE STE 7 JOHNSON CITY, TN 37604 | AFLAC | $824 | $59 | $883 | 1.05% |
| MARK EDWARD CASE3 Filed as: MARK CASE | 6821 WELLINGTON PL CASTLE PINES, CO 80108 | AFLAC | $725 | — | $725 | 0.86% |
| LYNN HODGE3 | 32 EARHART RD BLUFF CITY, TN 37618 | AFLAC | $650 | — | $650 | 0.77% |
| BRIAN D ELY3 Filed as: BRIAN ELY | 1820 THE EXCHANGE SE STE 750 ATLANTA, GA 30339 | AFLAC | $556 | — | $556 | 0.66% |
| KEITH ANTHONY KLEINE3 Filed as: KEITH KLEINE | 2216 SPRUCEWOOD DR, NW ACWORTH, GA 30101 | AFLAC | $286 | — | $286 | 0.34% |
| KIMBERLY STATEN3 | PO BOX 8184 GRAY, TN 37615 | AFLAC | $257 | — | $257 | 0.31% |
| CHARLES HOUGH3 | 162 SLATE HILL RD TELFORD, TN 37690 | AFLAC | $204 | — | $204 | 0.24% |
| VBTN, INC3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $203 | — | $203 | 0.24% |
| ANDREA R BROCK3 Filed as: ANDREA BROCK | 4229 MOUNTAIN RIDGE ROAD GAINESVILLE, GA 30506 | AFLAC | $156 | — | $156 | 0.19% |
| LOWELL K YOUNCE3 Filed as: LOWELL YOUNCE | PO BOX 130 ZIONVILLE, NC 28698 | AFLAC | $151 | — | $151 | 0.18% |
| EDWARDS TIPTON WITT AGENCY3 | PO BOX 747 KINGSPORT, TN 37662 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $31 | — | $31 | 3.27% |
| BRENDA H BRIDGES3 Filed as: BRENDA H. BRIDGES | 223 SHADY LANE WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $4 | — | $4 | 0.42% |
| KAREN TOBIAS3 | 1366 DUNRAVEN DR MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $4 | — | $4 | 0.42% |
| MARK HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $2 | — | $2 | 0.21% |
| DENNIS E TRAYWICK3 Filed as: DENNIS E. TRAYWICK | 4300 SIDCO DRIVE NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $2 | — | $2 | 0.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SAVERS ADMINISTRATIVE SERVICES EIN 57-1177739 HRA ADMINISTRATOR | Contract Administrator Service code 13 | — | $9K |
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 | 209 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE PLAN OF THE RIVER VALLEY, INC. | 362 | $1.2M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 362 | $110K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 362 | $110K |
| Other(2 contracts, 2 carriers) | AFLAC | 123 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.