| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID MASSEY3 | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $80K | — | $80K | 5.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $8K | $27K | 13.98% |
| JENNY LYNN LASATER3 Filed as: JENNY LASATER | PO BOX 2413 LEBANON, TN 37088 | AFLAC | $4K | $267 | $5K | 7.71% |
| BRIAN TOLBERT3 | 2817 WEST END AVENUE SUITE 126281 NASHVILLE, TN 37203 | AFLAC | $2K | — | $2K | 2.58% |
| THOMAS WILLIAMSON3 | 129 WATERS HILL CIRCLE LEGANON, TN 37087 | AFLAC | $958 | $53 | $1K | 1.68% |
| ANDREW JACKSON JR3 | PO BOX 155 GRAFTON, IL 62037 | AFLAC | $818 | $91 | $909 | 1.51% |
| KELSEY EVERT3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $699 | $53 | $752 | 1.25% |
| MARIAN E HENDERSON3 Filed as: MARIAN HENDERSON | 102 SAVANNAH WAY HENDERSONVILLE, TN 37075 | AFLAC | $434 | — | $434 | 0.72% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 5111 MARYLAND WAY SUITE 210 BRENTWOOD, TN 37027 | AFLAC | $354 | — | $354 | 0.59% |
| GARY A EBERLIN3 Filed as: GARY EBERLIN | 3415 MAPLE RIDGE DRIVE WOOD RIVER, IL 62095 | AFLAC | $291 | $18 | $309 | 0.51% |
| ALBERT WELCH III3 | 4209 LAKELAND DRIVE 369 FLOWOOD, MS 39232 | AFLAC | $185 | — | $185 | 0.31% |
| JOSHUA JONES3 | 1307 CAMPANIA NEW BRAUNFELS, TX 78132 | AFLAC | $131 | — | $131 | 0.22% |
| JEREMY S KLOKKENGA3 Filed as: JEREMY KLOKKENGA | 1355 NORTH BLUFF ROAD SUITE A COLLINSVILLE, IL 62234 | AFLAC | $89 | $18 | $107 | 0.18% |
| KRISTY GRAMLICH INC3 | 455 SOUTH SAM BARR DRIVE SUITE 205 KEARNEY, MO 64060 | AFLAC | $101 | $3 | $104 | 0.17% |
| BRENT GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $101 | — | $101 | 0.17% |
| JOHN THOMAS3 | 2907 CHAUCER DRIVE MURFREESBORO, TN 37129 | AFLAC | $100 | — | $100 | 0.17% |
| MELISSA JONES AND ASSOCIATES LLC3 | 2 WHITE PINE COURT UNION, MO 63084 | AFLAC | $92 | — | $92 | 0.15% |
| MITCHELL J MCCALL3 Filed as: MITCHELL MCCALL | 1355 NORTH BLUFF ROAD SUITE A COLLINSVILLE, IL 62234 | AFLAC | $75 | — | $75 | 0.12% |
| JOAN M MCSWAIN3 Filed as: JOAN MCSWAIN | 4347 LAKELAND DRIVE FLOWOOD, MS 39232 | AFLAC | $73 | — | $73 | 0.12% |
| TY D MAYBERRY3 Filed as: TY MAYBERRY | 8451 RED OAK ROAD GERALD, MO 63037 | AFLAC | $57 | — | $57 | 0.09% |
| JAMES H KING3 Filed as: JAMES DODD | 120 TWIN OAKS DRIVE MADISON, MS 39110 | AFLAC | $56 | — | $56 | 0.09% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 308 LAKE VILLAGE DRIVE MADISON, MS 39110 | AFLAC | $55 | — | $55 | 0.09% |
| JAY OLEARY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $46 | — | $46 | 0.08% |
| K GRAMLICH INC3 | 455 SOUTH SAM BARR DRIVE SUITE 205 KEARNEY, MO 64060 | AFLAC | $39 | $3 | $42 | 0.07% |
| JASON MULL3 | 1220 CHICKEN ROAD LEBANON, TN 37090 | AFLAC | $39 | — | $39 | 0.06% |
| JOSEPH LEDOUX3 | 2411 CARTER AVENUE NASHVILLE, TN 37206 | AFLAC | $35 | — | $35 | 0.06% |
| STEVEN H STEINHAUER3 Filed as: STEVEN STEINHAUER | PO BOX 817 HENDERSONVILLE, TN 37077 | AFLAC | $33 | — | $33 | 0.05% |
| TIFFANY S HERMSEN3 Filed as: TIFFANY HERMSEN | 2404 NORTHEAST 79TH PLACE KANSAS CITY, MO 64118 | AFLAC | $15 | $14 | $29 | 0.05% |
| LARA K GRANDE3 Filed as: LARA GRANDE | 117 MORNING MIST LANE FRANKLIN, TN 37064 | AFLAC | $28 | — | $28 | 0.05% |
| JVHAGEDORN LLC3 | 214 TWIN BIRCH COURT LAKE SAINT LOUIS, MO 63367 | AFLAC | $27 | — | $27 | 0.04% |
| VBTN, INC3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $27 | — | $27 | 0.04% |
| JULIAN W GOFF3 | 258 DUNLEITH DRIVE DESTREHAN, LA 70047 | AFLAC | $24 | — | $24 | 0.04% |
| D AND V BUTLER INC3 | 601 CRESCENT BOULEVARD SUITE 102 RIDGELAND, MS 39157 | AFLAC | $21 | — | $21 | 0.03% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $21 | — | $21 | 0.03% |
| EVERETT C BICKEL3 Filed as: EVERETT BICKEL | 14970 CENTER HILL DAM ROAD SILVER POINT, TN 38582 | AFLAC | $21 | — | $21 | 0.03% |
| JUSTIN SCHADE3 | 128 CHARLTON DRIVE MADISON, MS 39110 | AFLAC | $19 | — | $19 | 0.03% |
| TRAVIS COCKBURN3 | 402 NORTH MAIN STREET BENTON, IL 62812 | AFLAC | $18 | — | $18 | 0.03% |
| PHILIP LYNN3 | 905 DIVISION STREET CHARLESTON, IA 61920 | AFLAC | $17 | — | $17 | 0.03% |
| THOMAS PITZENBERGER3 | 1501 SUGARLAND PARKWAY PLEASANT HILL, MO 64080 | AFLAC | $14 | — | $14 | 0.02% |
| JANE E TUCKER3 | PO BOX 2825 SHELBYVILLE, TN 37162 | AFLAC | $14 | — | $14 | 0.02% |
| RENESHIA S HOBSON3 Filed as: RENESHIA HOBSON | 716 FOREST WOODS DRIVE BYRAM, MS 39272 | AFLAC | $11 | — | $11 | 0.02% |
| ALEXANDER I MIRO3 Filed as: ALEXANDER MIRO | 6005 HIDDEN VALLEY ROAD SUITE 150 CARLSBAD, CA 92011 | AFLAC | $8 | — | $8 | 0.01% |
| GEISLER INCORPORATED3 | 1795 CLARKSON ROAD SUITE 301 CHESTERFIELD, MO 63017 | AFLAC | $8 | — | $8 | 0.01% |
| RANDALL D LADNER3 Filed as: RANDALL LADNER | 6 GREENBRIAR DRIVE GULFPORT, MS 39507 | AFLAC | $6 | — | $6 | 0.01% |
| CARLA WITHERINGTON3 | 1405 HERRING DRIVE COVINGTON, TN 38019 | AFLAC | $6 | — | $6 | 0.01% |
| WILLIAM A BRIGGS3 Filed as: WILLIAM BRIGGS | 1731 GAY THOMPSON ROAD RAMER, TN 38367 | AFLAC | $6 | — | $6 | 0.01% |
| ABBIE W COFFMAN3 Filed as: ABBIE COFFMAN | 31 HAWTHORN CIRCLE CROSSVILLE, TN 38555 | AFLAC | $6 | — | $6 | 0.01% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $5 | — | $5 | 0.01% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $5 | — | $5 | 0.01% |
| SEWELL AND ASSOCIATES INC3 | 1055 MISTY LAKE DRIVE LEBANON, TN 37087 | AFLAC | $5 | — | $5 | 0.01% |
| PETER B WILKINSON JR3 Filed as: PETER WILKINSON JR | 6202 IOLA AVENUE SUITE 115 LUBBOCK, TX 79424 | AFLAC | $5 | — | $5 | 0.01% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DRIVE ROCKVALE, TN 37153 | AFLAC | $4 | — | $4 | 0.01% |
| MARTHA MONCKTON3 | 2411 EAST GRANDVIEW AVENUE PEORIA, IL 61614 | AFLAC | $4 | — | $4 | 0.01% |
| JASON HOFFARD3 | 3415 OFFICE PARK DRIVE SUITE C MARION, IL 62959 | AFLAC | $4 | — | $4 | 0.01% |
| RONALD H RICHEY3 Filed as: RONALD RICHEY | 4023 LAURAWOOD LANE FRANKLIN, TN 37067 | AFLAC | $3 | — | $3 | 0.00% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BOULEVARD BRENTWOOD, TN 37027 | AFLAC | $2 | — | $2 | 0.00% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 1856 TRAVELLER ROAD LEXINGTON, KY 40504 | AFLAC | $2 | — | $2 | 0.00% |
| PAUL LOUD3 | PO BOX 204 CRAB ORCHARD, TN 37723 | AFLAC | $2 | — | $2 | 0.00% |
| VICKI M BUTLER3 Filed as: VICKI BUTLER | 601 CRESCENT BOULEVARD SUITE 102 RIDGELAND, MS 39157 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN A BACON3 Filed as: JOHN BACON | 13716 PARKHILL OVERLAND PARKS, KS 66221 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN MYERS3 | 81 GRAND MERIDIEN FOREST CHESTERFIELD, MO 63005 | AFLAC | $2 | — | $2 | 0.00% |
| BRIAN LARSON3 | 883 FORD STREET ALCOA, TN 37701 | AFLAC | $2 | — | $2 | 0.00% |
| GEORGE WILLIAMS3 | 208 GRAND PARK BOULEVARD CHARLESTON, SC 29492 | AFLAC | $1 | — | $1 | 0.00% |
| CRAIG FINKS3 | 1659 MOUNT VERNON DRIVE SAINT CHARLES, MO 63303 | AFLAC | $1 | — | $1 | 0.00% |
| CATHY MCCLANAHAN3 | 1011 FOX COVE CIRCLE MARYVILLE, TN 37803 | AFLAC | $1 | — | $1 | 0.00% |
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 | 427 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 548 | $1.6M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 548 | $1.6M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 548 | $1.6M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 426 | $192K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 426 | $192K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 426 | $192K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 426 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.