| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DR SUITE 200 BRENTWOOD, TN 37027 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $58K | $58K | 3.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TN INC | P.O. BOX 291029 NASHVILLE, TN 372291029 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| BRIAN TOLBERT3 | 2817 WEST END AVE SUITE 126-281 NASHVILLE, TN 37203 | AFLAC | $5K | — | $5K | 7.76% |
| JENNY LYNN LASATER3 | P.O. BOX 2413 LEBANON, TN 37088 | AFLAC | $3K | $142 | $3K | 5.29% |
| ANDREW JACKSON JR3 | P.O. BOX 155 CRAFTON, IL 62037 | AFLAC | $1K | $69 | $1K | 1.86% |
| MARIAN E HENDERSON3 Filed as: MARIAN HENDERSON | 102 SAVANNAH WAY HENDERSONVILLE, TN 37075 | AFLAC | $635 | $15 | $650 | 1.02% |
| KELSEY EVERT3 | 541 N MOUNT JULIET ROAD STE 2201A MOUNT JULIET, TN 37122 | AFLAC | $582 | $31 | $613 | 0.96% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 5111 MARYLAND WAY SUITE 210 BRENTWOOD, TN 37027 | AFLAC | $557 | — | $557 | 0.87% |
| JASON MULL3 | 1220 CHICKEN ROAD LEBANON, TN 37090 | AFLAC | $472 | $4 | $476 | 0.74% |
| GARY A EBERLIN3 | 3415 MAPLE RIDGE DR WOOD RIVER, IL 62095 | AFLAC | $334 | $14 | $348 | 0.54% |
| JEREMY S KLOKKENGA3 Filed as: JEREMY KLOKKENCA | 1355 N BLUFF ROAD SUITE A COLLINSVILLE, IL 62234 | AFLAC | $201 | $14 | $215 | 0.34% |
| ALBERT WELCH III3 | 4209 LAKELAND DR 369 FLOWOOD, MS 39232 | AFLAC | $211 | — | $211 | 0.33% |
| JOSHUA JONES3 | 18032 DEERCLIFF CT GLENCOE, MO 63038 | AFLAC | $189 | — | $189 | 0.30% |
| BRENT GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $149 | — | $149 | 0.23% |
| LARA K GRANDE3 Filed as: LARA GRANDE | 1022 WESTHAVEN BLVD FRANKLIN, TN 37064 | AFLAC | $88 | $28 | $116 | 0.18% |
| JOHN THOMAS3 | 2907 CHAUCER DR MURFREESBORO, TN 37129 | AFLAC | $103 | — | $103 | 0.16% |
| VBTN, INC3 Filed as: VBTN INC | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $74 | $28 | $102 | 0.16% |
| JOAN M MCSWAIN3 Filed as: JOAN MCSWAIN | 4347 LAKELAND DR FLOWOOD, MS 39232 | AFLAC | $79 | — | $79 | 0.12% |
| MELISSA JONES AND ASSOCIATES LLC3 | 22 WHITE PINE CT UNION, MO 63084 | AFLAC | $56 | — | $56 | 0.09% |
| AON CONSULTING INC3 Filed as: C HEWITT INC. | 309 NEW POINTE STE B RIDGELAND, MS 39157 | AFLAC | $53 | — | $53 | 0.08% |
| TRAVIS COCKBURN3 | 402 N MAIN ST BENTON, IL 62812 | AFLAC | $31 | $14 | $45 | 0.07% |
| EVERETT C BICKEL3 | 14970 CENTER HILL DAM ROAD SILVERPOINT, TN 38582 | AFLAC | $30 | — | $30 | 0.05% |
| D AND V BUTLER INC3 | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $26 | — | $26 | 0.04% |
| JULIAN W GOFF3 | 258 DUNEITH DR DESTREHAN, LA 70047 | AFLAC | $26 | — | $26 | 0.04% |
| JUSTIN SCHADE3 | 128 CHARLTON DR MADISON, MS 39110 | AFLAC | $25 | — | $25 | 0.04% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $23 | — | $23 | 0.04% |
| JEREMY GEISLER INC3 | 1795 CLARKSON RD STE 301 CHESTERFIELD, MO 63017 | AFLAC | $23 | — | $23 | 0.04% |
| STEVEN H STEINHAUER3 Filed as: STEVEN STEINHAUER | P.O. BOX 817 HENDERSONVILLE, TN 37077 | AFLAC | $22 | — | $22 | 0.03% |
| PHILIP LYNN3 | 2378 COUNTRY ROAD 925N FAIRFIELD, IL 62837 | AFLAC | $17 | — | $17 | 0.03% |
| JANE E TUCKER3 | P.O. BOX 2825 SHELBYVILLE, TN 37162 | AFLAC | $16 | — | $16 | 0.03% |
| GEISLER INCORPORATED3 | 1795 CLARKSON RD STE 301 CHESTERFIELD, MO 63017 | AFLAC | $15 | — | $15 | 0.02% |
| THOMAS PITZENBERGER3 | 1200 NW SOUTH OUTER RD STE 116 BLUE SPRINGS, MO 64015 | AFLAC | $15 | — | $15 | 0.02% |
| JAMES H KING3 Filed as: JAMES DODD | 120 TWIN OAKS DR MADISON, MS 39110 | AFLAC | $15 | — | $15 | 0.02% |
| KIMBERLY MORRIS3 | 3166 EBY RD BOONVILLE, IN 47601 | AFLAC | $11 | — | $11 | 0.02% |
| BRADLEY K HARRISON3 Filed as: BRADLEY HARRISON | 3432 W TRUMAN BLVD JEFFERSON CITY, MO 65109 | AFLAC | $10 | — | $10 | 0.02% |
| KEVIN MULLINS3 | 7221 SWEETCIDER LN O FALLON, MO 63368 | AFLAC | $9 | — | $9 | 0.01% |
| JEREMY GEISLER INC3 Filed as: JEREMY GEISLER | 1795 CLARKSON RD STE 301 CHESTERFIELD, MO 63017 | AFLAC | $9 | — | $9 | 0.01% |
| PAUL LOUD3 | P.O. BOX 204 CRAB ORCHARD, TN 37723 | AFLAC | $8 | — | $8 | 0.01% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $8 | — | $8 | 0.01% |
| JAY OLEARY3 | 2000 BLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $6 | — | $6 | 0.01% |
| WILLIAM A BRIGGS3 Filed as: WILLIAM BRIGGS | 1731 GAY THOMPSON RD RAMER, TN 38367 | AFLAC | $6 | — | $6 | 0.01% |
| BRIAN LARSON3 | 883 FORD ST ALCOA, TN 37701 | AFLAC | $6 | — | $6 | 0.01% |
| MELVIN ROEWE3 | 502 E 6TH ST WASHINGTON, MO 63090 | AFLAC | $5 | — | $5 | 0.01% |
| SEWELL AND ASSOCIATES INC3 | 1055 MISTY LAKE DR LEBANON, TN 37087 | AFLAC | $5 | — | $5 | 0.01% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 123 CENTER PARK DR SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $3 | — | $3 | 0.00% |
| RENESHIA S HOBSON3 Filed as: RENESHIA HOBSON | 716 FOREST WOODS DR BYRAM, MS 39272 | AFLAC | $3 | — | $3 | 0.00% |
| RONALD H RICHEY3 Filed as: RONALD RICHEY | 4023 LAURAWOOD LANE FRANKLIN, TN 37067 | AFLAC | $3 | — | $3 | 0.00% |
| CATHY MCCLANAHAN3 | 1011 FOX COVE CIRCLE MARYVILLE, TN 37803 | AFLAC | $3 | — | $3 | 0.00% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BLVD BRENTWOOD, TN 37027 | AFLAC | $3 | — | $3 | 0.00% |
| E INGRAM INC3 | 455 PEBBLE CREEK DRIVE SUITE D MADISON, MS 39110 | AFLAC | $2 | — | $2 | 0.00% |
| NATHAN HARRISON3 | 16024 MANCHESTER ROAD 2ND FLOOR STE 200 ELLISVILLE, MO 63011 | AFLAC | $2 | — | $2 | 0.00% |
| TARA SCHNAUS3 | 3060 N WALNUT RIDGE CT JASPER, IN 47546 | AFLAC | $2 | — | $2 | 0.00% |
| BRANDEE L JUSTUS3 Filed as: BRANDEE JUSTUS | 5700 VICTORIA BLUFFS DR NEWBURGH, IN 47630 | AFLAC | $2 | — | $2 | 0.00% |
| TIMOTHY ASBY3 | 9247 N MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | AFLAC | $1 | — | $1 | 0.00% |
| AMBER N ARNOLD3 Filed as: AMBER ARNOLD | 1355 N BLUFF RD STE A COLLINSVILLE, IL 62234 | AFLAC | $1 | — | $1 | 0.00% |
| JACOB ARNOLD3 | 1355 N BLUFF RD STE A COLLINSVILLE, IL 62234 | AFLAC | $0 | — | $0 | 0.00% |
| NAVILLE & ASSOCIATES3 | 14220 OVERBROOK DR CARMEL, IN 46074 | AFLAC | $0 | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE, INC. | 565 MARRIOTT DRIVE SUITE 500 NASHVILLE, TN 37214 | GUARDIAN | $3K | — | $3K | 10.00% |
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 | 364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 440 | $1.5M |
| Dental(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 362 | $161K |
| Vision | GUARDIAN | 276 | $29K |
| Short-term disability | AFLAC | 108 | $64K |
| Other | AFLAC | 108 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.