| 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% |
| PROFESSIONAL GROUP PLANS INC3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.44% |
| MARIAN E HENDERSON3 | 102 SAVANNAH WAY HENDERSONVILLE, TN 37075 | AFLAC | $566 | $0 | $566 | 3.63% |
| THOMAS M WILLIAMSON3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $467 | $0 | $467 | 2.99% |
| WILLIAM R BROOKS3 | 839 MEADOWCREST WAY LEBANON, TN 37090 | AFLAC | $279 | $0 | $279 | 1.79% |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $42 | $0 | $42 | 0.27% |
| JUSTYN C MELENDEZ3 | 131 12TH AVE APT 120 NASHVILLE, TN 37203 | AFLAC | $36 | $0 | $36 | 0.23% |
| JAMES E CARTER3 | 3617 MCNAUGHTON WAY MURFREESBORO, TN 37128 | AFLAC | $15 | $0 | $15 | 0.10% |
| TIMOTHY CHAPPELL3 | 522 ROCK SPRINGS RD WATERTOWN, TN 37184 | AFLAC | $15 | $0 | $15 | 0.10% |
| BROWNIE D HALL3 | 321 W MAIN ST LEBANON, TN 37087 | AFLAC | $12 | $0 | $12 | 0.08% |
| VBTN, INC3 Filed as: VBTN INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $11 | $0 | $11 | 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 RICHEY3 | 4499 MURFREEBORO RD FRANKLIN, TN 37067 | AFLAC | $5 | $0 | $5 | 0.03% |
| JAY OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $2 | $0 | $2 | 0.01% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $1 | $0 | $1 | 0.01% |
| JOANNA G MATHERLY3 Filed as: JOANNA GRACE MATHERLY | 4581 MAJESTIC MEADOWS DR ARINGTON, TN 37135 | 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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 72 | $45K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 72 | $45K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 106 | $107K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 106 | $107K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE COMPANY | 68 | $129K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 106 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.