| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 265 BROOKVIEW CTR WAY SUITE 505 KNOXVILLE, TN 37919 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $57K | — | $57K | 12.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD SUITE 600 SCOTTSDALE, AZ 852541804 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $24K | $24K | 5.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE | 6322 DEANE HILL DR KNOXVILLE, TN 37919 | DELTA DENTAL OF TENNESSEE | $11K | — | $11K | 3.00% |
| ERNESTINE KING3 Filed as: ERNESTINE B KING | 115 LAKEVIEW HILLS LN CLINTON, TN 37716 | AFLAC | $5K | $211 | $5K | 3.49% |
| MORETON & COMPANY3 Filed as: KIM K MORTON | 6000 TAZEWELL PIKE KNOXVILLE, TN 37918 | AFLAC | $4K | $125 | $4K | 3.16% |
| NATHAN A THORPE3 | PO BOX 5811 KNOXVILLE, TN 37928 | AFLAC | $1K | — | $1K | 1.04% |
| A ED GOODWIN JR3 | 520 DIXON LANE KODAK, TN 37764 | AFLAC | $1K | — | $1K | 0.94% |
| SUSIE THORPE3 Filed as: SUSIE C THORPE | PO BOX 31858 KNOXVILLE, TN 37930 | AFLAC | $1K | — | $1K | 0.81% |
| JAMES D PARKER3 | 183 MONROE RD MAYNARDVILLE, TN 37807 | AFLAC | $937 | — | $937 | 0.68% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $587 | $67 | $654 | 0.48% |
| JEFFREY BARNHILL3 | 6636 NC HIGHWAY 43 S GREENVILLE, NC 27858 | AFLAC | $582 | $50 | $632 | 0.46% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $483 | — | $483 | 0.35% |
| STEVEN E SELF3 | 302 LUTHER JACKSON DR MARYVILLE, TN 37804 | AFLAC | $475 | — | $475 | 0.35% |
| RICHARD G. WILDE3 Filed as: RICHARD G WILDE | PO BOX 22513 KNOXVILLE, TN 37933 | AFLAC | $416 | — | $416 | 0.30% |
| MELISSA LUSBY3 | 709 N WHISPERING OAK CIRCLE POWELL, TN 37849 | AFLAC | $358 | — | $358 | 0.26% |
| TAMMY LEE LOWRIE3 | 871 ISABELL DR DANDRIDGE, TN 37725 | AFLAC | $342 | — | $342 | 0.25% |
| CINDY D WEISS3 | PO BOX 149505 ORLANDO, FL 32814 | AFLAC | $244 | $35 | $279 | 0.20% |
| JEFFREY BARNHILL3 | 204 E ARLINGTON BLVD SUITE C GREENVILLE, NC 27858 | AFLAC | $265 | — | $265 | 0.19% |
| CHARLES HARTHUN3 Filed as: CHARLES B HARTHUN | 1577 LAWSON RD CROSSVILLE, TN 38571 | AFLAC | $228 | — | $228 | 0.17% |
| VBTN, INC3 Filed as: VBTN, INC. | 301 MALLORY STATION RD SUITE 102 KNOXVILLE, TN 37067 | AFLAC | $161 | $67 | $228 | 0.17% |
| LAURA S TWEED3 | 10759 BELFRY CIR ORLANDO, FL 32832 | AFLAC | $206 | — | $206 | 0.15% |
| RONALD K WARD3 | 404 KIRKWOOD LANE CAMDEN, SC 29020 | AFLAC | $203 | — | $203 | 0.15% |
| AMANDA G OLIVER3 | 5 FALCON CREST RD LUGOFF, SC 29078 | AFLAC | $190 | $11 | $201 | 0.15% |
| MONICA WENTZ3 Filed as: MONICA G WENTZ | 9307 HAVENBROOKE WAY KNOXVILLE, TN 37922 | AFLAC | $171 | — | $171 | 0.12% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $158 | — | $158 | 0.12% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $147 | — | $147 | 0.11% |
| JANE W BARNHILL3 | 6636 NC HIGHWAY 43 S GREENVILLE, NC 27858 | AFLAC | $146 | — | $146 | 0.11% |
| CATHY MCCLANAHAN3 | 1011 FOX CV MARYVILLE, TN 37803 | AFLAC | $107 | — | $107 | 0.08% |
| DIXON & DIXON ENTERPRISES INC3 | 9950 SHADOW CREEK DR ORLANDO, FL 32832 | AFLAC | $81 | — | $81 | 0.06% |
| PAMELA JO MANDELL3 | 484 ALINOLE LOOP LAKE MARY, FL 32746 | AFLAC | $76 | — | $76 | 0.06% |
| THE PERRY GROUP INC3 | 1650 SAND LAKE RD SUITE 201D ORLANDO, FL 32809 | AFLAC | $62 | $6 | $68 | 0.05% |
| MKF & ASSOCIATES INC3 | 4505 PINE TREE CIR SUITE 201 BIRMINGHAM, AL 35243 | AFLAC | $62 | — | $62 | 0.05% |
| LAURA S TWEED3 | PO BOX 702242 SAINT CLOUD, FL 34770 | AFLAC | $58 | — | $58 | 0.04% |
| RONALD E KIRKLAND3 | 4 SOTHEBY PL SE GURLEY, AL 35748 | AFLAC | $45 | — | $45 | 0.03% |
| STEPHEN LEE3 Filed as: STEPHEN WADE LEE | 3511 S CAMERON AVE TYLER, TX 75701 | AFLAC | $40 | — | $40 | 0.03% |
| LESTER D PARK3 | 203 CLEARMEADOW DR COLUMBIA, SC 29229 | AFLAC | $34 | — | $34 | 0.02% |
| PEARLEAN WASHINGTON3 | 2518 DULUTH HWY SUITE 202 DULUTH, GA 30097 | AFLAC | $32 | — | $32 | 0.02% |
| BARBARA L DAVIES3 Filed as: BARBARA L DAVIS | 201 ROY ABERDEEN WAY MCKINNEY, TX 75070 | AFLAC | $30 | — | $30 | 0.02% |
| ALAN W MARTIN3 | 123 CENTER PARK DR SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $24 | — | $24 | 0.02% |
| BENJAMIN T MORGENEGG3 | 1915 NORTHSHORE HILLS BLVD KNOXVILLE, TN 37922 | AFLAC | $23 | — | $23 | 0.02% |
| ROBERT L TRAPNELL JR3 | 15 N INDIAN RIVER DR APT 705 COCOA, FL 32922 | AFLAC | $23 | — | $23 | 0.02% |
| K GRAMLICH INC3 | 7509 NW TIFFANY SPRINGS PKWY 100 KANSAS CITY, MO 64153 | AFLAC | $22 | — | $22 | 0.02% |
| SHARON LYNN SMITH3 | 1650 SAND LAKE RD SUITE 201D ORLANDO, FL 32809 | AFLAC | $21 | — | $21 | 0.02% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $12 | $6 | $18 | 0.01% |
| RICK R THORNE3 | 321 W MAIN ST LEBANON, TN 37087 | AFLAC | $17 | — | $17 | 0.01% |
| IVORY E LUKE3 | PO BOX 143 LEXINGTON, SC 29071 | AFLAC | $16 | — | $16 | 0.01% |
| MUNCIE ALAN RUSSELL3 | 5000 THURMOND MALL ST SUITE 311 COLUMBIA, SC 29201 | AFLAC | $13 | — | $13 | 0.01% |
| JOHN D TYLER3 | 130 DUCK HAWK WAY MARIETTA, SC 29661 | AFLAC | $9 | $2 | $11 | 0.01% |
| BRIAN D HOGLE3 Filed as: BRIAN HOGLE | 2023 THOMAS POINTE TRCE LAWRENCEVILLE, GA 30043 | AFLAC | $11 | — | $11 | 0.01% |
| HEYWARD RICHARDSON JR3 | 1201 MAIN ST SUITE 2300 COLUMBIA, SC 29201 | AFLAC | $11 | — | $11 | 0.01% |
| SEWELL AND ASSOCIATES INC3 | 1055 MISTY LAKE DR LEBANON, TN 37087 | AFLAC | $11 | — | $11 | 0.01% |
| KRISTY GRAMLICH INC3 | 7509 NW TIFFANY SPRINGS PKWY SUITE 100 KANSAS CITY, MO 64153 | AFLAC | $11 | — | $11 | 0.01% |
| TERRANCE M LUCZAJ3 | 1201 MAIN ST SUITE 2300 COLUMBIA, SC 29201 | AFLAC | $8 | $2 | $10 | 0.01% |
| CHARLES F GREER3 | 2888 ALOMA LAKE RUN OVIEDO, FL 32765 | AFLAC | $9 | — | $9 | 0.01% |
| BRIAN D HOGLE3 Filed as: BRIAN HOGLE | 1114 NORTH PARK LN ALPHARETTA, GA 30004 | AFLAC | $8 | — | $8 | 0.01% |
| MASON C LEE3 | 132 N ENGLEWOOD DR ROCKY MOUNT, NC 27804 | AFLAC | $8 | — | $8 | 0.01% |
| C HARVEY KING3 | PO BOX 45 WEST JEFFERSON, NC 28694 | AFLAC | $7 | — | $7 | 0.01% |
| JEREMY FRYE & ASSOCIATES INC3 | 1508 N CHURCH RD SUITE B LIBERTY, MO 64068 | AFLAC | $6 | — | $6 | 0.00% |
| LARA CARLSON3 Filed as: LARA K CARLSON | 106 LAUREL VIEW DR ST SIMONS ISLAND, GA 31522 | AFLAC | $5 | — | $5 | 0.00% |
| GEORGE LEE WASHINGTON3 | 2518 DULUTH HWY SUITE 202 DULUTH, GA 30097 | AFLAC | $5 | — | $5 | 0.00% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $3 | — | $3 | 0.00% |
| SCOTT A ERWIN3 | 8020 BENNINGTON DR KNOXVILLE, TN 37909 | AFLAC | $2 | — | $2 | 0.00% |
| WILLIAM M WARDLAW JR3 | 5300 OAKBROOK PKWY BLDG 300 SUITE 350 NORCROSS, GA 30093 | AFLAC | $2 | — | $2 | 0.00% |
| RONALD H RICHEY3 | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $2 | — | $2 | 0.00% |
| RAYMOND L MELVIN3 | 1553 NAVIGATOR CIR DACULA, GA 30019 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN DALLAS BYERS3 | 2477 TITANS LN BRENTWOOD, TN 37027 | AFLAC | $1 | — | $1 | 0.00% |
| PAUL SHELBY AMOS II3 | 1932 WYNNTON RD 14TH FLOOR COLUMBUS, GA 31999 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS HRH | LOCKBOX 905601 SUITE 108 CHARLOTTE, NC 282173538 | EYEMED VISION CARE | $6K | — | $6K | 7.78% |
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 | 974 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 974 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 1,471 | $380K |
| Vision | EYEMED VISION CARE | 1,255 | $83K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 974 | $475K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 974 | $475K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 974 | $475K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 974 | $612K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,471 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.