| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TAD BENEFITS LLC3 | 900 GLENRIDGE LN NASHVILLE, TN 37221 | AMERICAN UNITED LIFE INSURANCE COMPANY | $14K | $0 | $14K | 12.81% |
| THOMAS W BOSTON3 Filed as: THOMAS A DAMPF | 7619 HWY 70S #210392 NASHVILLE, TN 37221 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $3K | $0 | $3K | 8.17% |
| MARIAN E HENDERSON3 | 102 SAVANNAH WAY HENDERSONVILLE, TN 37075 | AFLAC | $669 | $0 | $669 | 4.57% |
| THOMAS M WILLIAMSON3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $472 | $0 | $472 | 3.22% |
| WILLIAM R BROOKS3 | 839 MEADOWCREST WAY LEBANON, TN 37090 | AFLAC | $356 | $0 | $356 | 2.43% |
| JUSTYN C MELENDEZ3 | 131 12TH AVE N APT 120 NASHVILLE, TN 37203 | AFLAC | $73 | $0 | $73 | 0.50% |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $39 | $0 | $39 | 0.27% |
| JAMES E CARTER3 | 3617 MCNAUGHTON WAY MURFREESBORO, TN 37128 | AFLAC | $14 | $0 | $14 | 0.10% |
| TIMOTHY CHAPPELL3 | 522 ROCK SPRINGS RD WATERTOWN, TN 37184 | AFLAC | $14 | $0 | $14 | 0.10% |
| BROWNIE D HALL3 | 321 W MAIN ST LEBANON, TN 37087 | AFLAC | $11 | $0 | $11 | 0.08% |
| VBTN, INC3 Filed as: VBTN INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $10 | $0 | $10 | 0.07% |
| MIKE N SEWELL3 | 301 CLAYMORE DR HAMILTON, GA 31811 | AFLAC | $6 | $0 | $6 | 0.04% |
| WILLIAM L DOZIER JR3 Filed as: WILLIAM DOZIER JR | 351 PASCOE BLVD STE 100 BOWLING GREEN, KY 42104 | AFLAC | $6 | $0 | $6 | 0.04% |
| RONALD H RICHEY3 Filed as: RONALD RICHEY | 4499 MURFREEBORO RD FRANKLIN, TN 37067 | AFLAC | $5 | $0 | $5 | 0.03% |
| TONYA SUE ELMORE3 | 1930 HIGHWAY 71 E MANSFIELD, AR 72944 | AFLAC | $4 | $0 | $4 | 0.03% |
| CHRISTOPHER D COCKBURN3 | 1412 41TH CIR BARLING, AR 72923 | AFLAC | $2 | $0 | $2 | 0.01% |
| JAY S OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $2 | $0 | $2 | 0.01% |
| SEFORA BILLUPS3 | 1553 STATE HIGHWAY Y FORSYTH, MO 65653 | AFLAC | $1 | $0 | $1 | 0.01% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $1 | $0 | $1 | 0.01% |
| JOANNA G MATHERLY3 | 4581 MAJESTIC MEADOWS DR ARRINGTON, TN 37014 | AFLAC | $1 | $0 | $1 | 0.01% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 114 | $41K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 114 | $41K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 104 | $106K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 104 | $106K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 63 | $117K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 104 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.