| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID M CRUMLEY3 Filed as: DAVID M MASSEY | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $78K | — | $78K | 3.63% |
| BRIAN TOLBERT3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $19K | — | $19K | 0.89% |
| 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 | $5K | — | $5K | 6.75% |
| 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 | $0 | $4K | $4K | 6.11% |
| BERNARD HEALTH LLC3 | 2817 W END AVE STE 126-281 NASHVILLE, TN 37203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.25% |
| 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 | $4K | — | $4K | 6.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 6.18% |
| BERNARD HEALTH LLC3 | 2817 W END AVE STE 126-281 NASHVILLE, TN 37203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.67% |
| 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 | $0 | $3K | $3K | 6.17% |
| BERNARD HEALTH LLC3 | 2817 W END AVE STE 126-281 NASHVILLE, TN 37203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.33% |
| 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 | $796 | — | $796 | 6.78% |
| 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 | $0 | $730 | $730 | 6.22% |
| BERNARD HEALTH LLC3 | 2817 W END AVE STE 126-281 NASHVILLE, TN 37203 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $378 | — | $378 | 3.22% |
| JENNY LYNN LASATER3 Filed as: JENNY LYNN LASTER | PO BOX 2413 LEBANON, TN 37088 | AFLAC | $4K | $157 | $4K | 42.01% |
| BRIAN TOLBERT3 | 2817 WEST END AVE STE 126281 NASHVILLE, TN 37203 | AFLAC | $1K | — | $1K | 13.95% |
| THOMAS M WILLIAMSON3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 62037 | AFLAC | $830 | $31 | $861 | 8.89% |
| ANDREW JACKSON JR3 | PO BOX 155 GRAFTON, IL 62037 | AFLAC | $764 | $54 | $818 | 8.45% |
| TIMOTHY CHAPPELL3 | 522 ROCK SPRINGS RD WATERTOWN, TN 37184 | AFLAC | $536 | — | $536 | 5.53% |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $314 | $31 | $345 | 3.56% |
| DAVID M CRUMLEY3 | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $290 | — | $290 | 2.99% |
| MARIAN E HENDERSON3 | 102 SAVANNAH WAY HENDERSONVILLE, TN 37075 | AFLAC | $266 | — | $266 | 2.75% |
| KRISTY GRAMLICH INC3 | 110 WESTWOODS DR LIBERTY, MO 64068 | AFLAC | $192 | — | $192 | 1.98% |
| AMBER NICOLE ARNOLD3 | 10 DAVID DR SAINT JACOB, IL 62281 | AFLAC | $123 | — | $123 | 1.27% |
| GARY A EBERLIN3 | 3415 MAPLE RIDGE DRIVE WOOD RIVER, IL 62095 | AFLAC | $100 | $10 | $110 | 1.14% |
| JOSHUA LEE JONES3 | 1307 CAMPANIA NEW BRAUNFELS, TX 78132 | AFLAC | $105 | — | $105 | 1.08% |
| ALBERT WELCH III3 Filed as: ALBERT WELCH | 4209 LAKELAND DR 369 FLOWOOD, MS 39232 | AFLAC | $97 | — | $97 | 1.00% |
| BRENT GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $84 | — | $84 | 0.87% |
| TARA M JORDAN3 | 800 LAKESHORE DR TUSCOLA, IL 61953 | AFLAC | $81 | — | $81 | 0.84% |
| JOHN THOMAS3 Filed as: JOHN L THOMAS | 2907 CHAUCER DR MURFREESBORO, TN 37129 | AFLAC | $62 | — | $62 | 0.64% |
| MITCHELL J MCCALL3 Filed as: MITCHELL MCCALL | 3 STONERIDGE DR KEOKUK, IA 52632 | AFLAC | $37 | $10 | $47 | 0.49% |
| THE LUTHER GROUP LLC3 | 110 WESTWOODS DR LIBERTY, MO 64068 | AFLAC | $47 | — | $47 | 0.49% |
| JOAN M MCSWAIN3 | 744 CLOVER RIDGE WAY BRANDON, MS 39047 | AFLAC | $42 | — | $42 | 0.43% |
| KRISTY GRAMLICH INC3 | 455 S SAM BARR DR STE 205 KEARNEY, MO 64060 | AFLAC | $38 | — | $38 | 0.39% |
| JAY S OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $37 | — | $37 | 0.38% |
| K GRAMLICH INC3 | 110 WESTWOODS DR LIBERTY, MO 64068 | AFLAC | $29 | — | $29 | 0.30% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $28 | — | $28 | 0.29% |
| MELISSA JONES AND ASSOCIATES LLC3 | 103 PENNANT DR WASHINGTON, MO 63090 | AFLAC | $26 | — | $26 | 0.27% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 308 LAKE VILLAGE DR MADISON, MS 39110 | AFLAC | $24 | $0 | $24 | 0.25% |
| EVERETT C BICKEL3 Filed as: EVERETT BICKEL | 6310 SW 103RD LN OCALA, FL 34476 | AFLAC | $20 | — | $20 | 0.21% |
| TY D MAYBERRY3 | 8451 RED OAK DR GERALD, MO 63037 | AFLAC | $19 | — | $19 | 0.20% |
| PHILIP LYNN3 | 56 FOUNTAIN VLY RANTOUL, IL 61866 | AFLAC | $17 | — | $17 | 0.18% |
| VBTN, INC3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $16 | — | $16 | 0.17% |
| JEREMY S KLOKKENGA3 | 20097 SHAKER LAKE RD BLOOMINGTON, IL 61705 | AFLAC | $15 | — | $15 | 0.15% |
| LARA K GRANDE3 | 117 MORNING MIST LN FRANKLIN, TN 37064 | AFLAC | $15 | — | $15 | 0.15% |
| TIFFANY S HERMSEN3 | 2404 NE 79TH PL KANSAS CITY, MO 64118 | AFLAC | $10 | — | $10 | 0.10% |
| JANE E TUCKER3 | 409 AMOS GAMBLE RD SHELBYVILLE, TN 37160 | AFLAC | $10 | — | $10 | 0.10% |
| D AND V BUTLER INC3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $9 | — | $9 | 0.09% |
| THOMAS J PITZENBERGER3 | 1501 SUGARLAND PKWY PLEASANT HILL, MO 64080 | AFLAC | $8 | — | $8 | 0.08% |
| K GRAMLICH INC3 | 455 S SAM BARR DR STE 205 KEARNEY, MO 64060 | AFLAC | $8 | — | $8 | 0.08% |
| THE LUTHER GROUP LLC3 Filed as: THE LUTHER GROUP | 6620 NW DEARING DR PARKVILLE, MO 64152 | AFLAC | $8 | — | $8 | 0.08% |
| ALEXANDER I MIRO3 | 6005 HIDDEN VALLEY RD STE 150 CARLSBAD, CA 92011 | AFLAC | $8 | — | $8 | 0.08% |
| JUSTIN SCHADE3 | 128 CHARLTON DR MADISON, MS 39110 | AFLAC | $7 | — | $7 | 0.07% |
| STEVEN H STEINHAUER3 | PO BOX 817 HENDERSONVILLE, TN 37077 | AFLAC | $7 | — | $7 | 0.07% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $7 | — | $7 | 0.07% |
| SEWELL AND ASSOCIATES INC3 | 1055 MISTY LAKE RD LEBANON, TN 37087 | AFLAC | $4 | — | $4 | 0.04% |
| RONALD H RICHEY3 | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $3 | — | $3 | 0.03% |
| TRAVIS COCKBURN3 Filed as: TRAVIS J COCKBURN | PO BOX 335 JOHNSTON CITY, IL 62951 | AFLAC | $3 | — | $3 | 0.03% |
| RANDALL D LADNER3 | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $3 | — | $3 | 0.03% |
| TRAVIS COCKBURN3 Filed as: TRAVIS J COCKBURN | 402 N MAIN ST BENTON, IL 62812 | AFLAC | $3 | — | $3 | 0.03% |
| JANE E TUCKER3 | PO BOX 2825 SHELBYVILLE, TN 37162 | AFLAC | $3 | — | $3 | 0.03% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $3 | — | $3 | 0.03% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $3 | — | $3 | 0.03% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $2 | — | $2 | 0.02% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $2 | — | $2 | 0.02% |
| KANDI H HECKLER3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $2 | — | $2 | 0.02% |
| CARLA T WITHERINGTON3 | 1405 HERRING DR COVINGTON, TN 38019 | AFLAC | $2 | — | $2 | 0.02% |
| MATT STEINHAUER III3 | 100 YORKSHIRE CT HENDERSONVILLE, TN 37075 | AFLAC | $1 | — | $1 | 0.01% |
| BRIAN E HICKS3 | 188 FRONT STREET STE 11639 FRANKLIN, TN 37064 | AFLAC | $1 | — | $1 | 0.01% |
| AUTUMN BETHEA3 | 1053 MUNA CT SPRING HILL, TN 37174 | AFLAC | $1 | — | $1 | 0.01% |
| DALE I DAVIS3 | 1856 TRAVELLER RD LEXINGTON, KY 40504 | AFLAC | $1 | — | $1 | 0.01% |
| J DAVID BUTLER3 | 404 A W PARKWAY PLACE RIDGELAND, MS 39157 | AFLAC | $1 | — | $1 | 0.01% |
| VICKI M BUTLER3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $1 | — | $1 | 0.01% |
| MARTHA MONCKTON3 | 2411 E GRANDVIEW AVE PEORIA, IL 61614 | AFLAC | $1 | — | $1 | 0.01% |
| JASON HOFFARD1 | 3415 OFFICE PARK DR STE C MARION, IL 62959 | AFLAC | $1 | — | $1 | 0.01% |
| JACKSON MULL3 | 1220 CHICKEN RD LEBANON, TN 37090 | AFLAC | — | — | $0 | 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 | 463 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 555 | $2.1M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 555 | $2.1M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 555 | $2.1M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 441 | $12K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $67K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 210 | $56K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 555 | — |
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."
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.