| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HANES TORBETT3 | 508 PRINCETON RD STE 102 JOHNSON CITY, TN 37601 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $72K | — | $72K | 3.83% |
| STEPHEN L FOSTER3 Filed as: STEPHEN L. FOSTER | PO BOX 4334 JOHNSON CITY, TN 37602 | AFLAC | $4K | $83 | $4K | 6.06% |
| JEFFREY GASTON COPELAND3 | 100 HARTSFIELD CENTER PKWY STE 500 ATLANTA, GA 30354 | AFLAC | $1K | — | $1K | 1.55% |
| RYAN DREBING3 Filed as: RYAN A. DREBING | 2112 N ROAN ST STE 702 JOHNSON CITY, TN 37601 | AFLAC | $709 | — | $709 | 0.99% |
| JACKSON D RHODES3 Filed as: JACKSON D. RHODES | 2332 VOLUNTEER PKWY BRISTOL, TN 37620 | AFLAC | $551 | — | $551 | 0.77% |
| BRIAN D ELY3 Filed as: BRIAN D. ELY | 2121 NEWMARKET PKWY SE STE 100 MARIETTA, GA 30067 | AFLAC | $418 | — | $418 | 0.58% |
| MARK EDWARD CASE3 | 6821 WELLINGTON PL CASTLE PINES, CO 80108 | AFLAC | $381 | — | $381 | 0.53% |
| CASEY A CURLEE3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $333 | $19 | $352 | 0.49% |
| LYNN B HODGE3 Filed as: LYNN B. HODGE | 430 ALFALFA LN JONESBOROUGH, TN 37659 | AFLAC | $349 | — | $349 | 0.48% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $267 | $19 | $286 | 0.40% |
| KEITH ANTHONY KLEINE3 | 2216 SPRUCEWOOD DR NW ACWORTH, GA 30101 | AFLAC | $214 | — | $214 | 0.30% |
| KIMBERLY STATEN3 Filed as: KIMBERLY B STATEN | 1538 FULLER ST KINGSPORT, TN 37664 | AFLAC | $163 | — | $163 | 0.23% |
| AMANDA L MOORE RHODES3 Filed as: AMANDA MOORE RHODES | 327 CHARLTON CT BLUFF CITY, TN 37618 | AFLAC | $157 | — | $157 | 0.22% |
| EDWARDS TIPTON WITT AGENCY3 | PO BOX 747 KINGSPORT, TN 37662 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $8 | — | $8 | 2.96% |
| KAREN TOBIAS3 | 1366 DUNRAVEN DR. MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $1 | — | $1 | 0.37% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $1 | — | $1 | 0.37% |
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 | 229 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 384 | $1.9M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 384 | $1.9M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 384 | $1.9M |
| Other(2 contracts, 2 carriers) | AFLAC | 82 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.