| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN TOLBERT3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $73K | $0 | $73K | 3.38% |
| BH GROUP TN LLC3 | 2718 W END AVE #126-281 SUITE 200 NASHVILLE, TN 37212 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 12.59% |
| MARIAN E HENDERSON3 | 102 SAVANNAH WAY HENDERSONVILLE, TN 37075 | AFLAC | $1K | $36 | $1K | 12.17% |
| JENNY LYNN LASATER3 | PO BOX 2413 LEBANON, TN 37088 | AFLAC | $602 | $3 | $605 | 5.71% |
| THOMAS M WILLIAMSON3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $353 | $9 | $362 | 3.42% |
| STEPHEN C SNYDER BENE SOLUTIONS LLC3 | 5954 LEWIS ST UNIT 101 DALLAS, TX 75206 | AFLAC | $206 | $9 | $215 | 2.03% |
| BRIAN TOLBERT3 | 2817 WEST END AVE STE 126-281 NASHVILLE, TN 37203 | AFLAC | $140 | $0 | $140 | 1.32% |
| TIMOTHY CHAPPELL3 | 522 ROCK SPRINGS RD WATERTOWN, TN 37184 | AFLAC | $89 | $0 | $89 | 0.84% |
| DAVID M CRUMLEY3 Filed as: DAVID M CRULEY | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $41 | $0 | $41 | 0.39% |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET ROAD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $21 | $0 | $21 | 0.20% |
| ALBERT WELCH III3 Filed as: ALBERT J WELCH III | 4209 LAKELAND DRIVE 369 FLOWOOD, MS 39232 | AFLAC | $16 | $0 | $16 | 0.15% |
| JOSHUA LEE JONES3 | 1087 VIA PRINCIPALE NEW BRAUNFELS, TX 78132 | AFLAC | $16 | $0 | $16 | 0.15% |
| ALAN W FOSTER3 | 716 FRENCH RIVER RD NOLENSVILLE, TN 37135 | AFLAC | $13 | $0 | $13 | 0.12% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD STE 204 NASHVILLE, TN 37215 | AFLAC | $12 | $0 | $12 | 0.11% |
| JOHN THOMAS3 Filed as: JOHN L THOMAS | 2907 CHAUCER DRIVE MUFREESBORO, TN 37129 | AFLAC | $9 | $0 | $9 | 0.08% |
| JOAN M MCSWAIN3 | 744 CLOVER RIDGE WAY BRANDON, MS 39047 | AFLAC | $7 | $0 | $7 | 0.07% |
| PHILIP LYNN3 | 56 FOUNTAIN VLY RANTOUL, IL 61866 | AFLAC | $6 | $0 | $6 | 0.06% |
| JAY S OLEARY3 | 1802 EAVES COURT NOLENSVILLE, TN 37135 | AFLAC | $5 | $0 | $5 | 0.05% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVENUE NASHVILLE, TN 37206 | AFLAC | $4 | $0 | $4 | 0.04% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 308 LAKE VILLAGE DRIVE MADISON, MS 39110 | AFLAC | $4 | $0 | $4 | 0.04% |
| EVERETT C BICKEL3 | 6310 SW 103RD LN OCALA, FL 34476 | AFLAC | $3 | $0 | $3 | 0.03% |
| JASON MULL3 | 1220 CHICKEN ROAD LEBANON, TN 37090 | AFLAC | $3 | $0 | $3 | 0.03% |
| JANE E TUCKER3 | PO BOX 2825 SHELBYVILLE, TN 37160 | AFLAC | $2 | $0 | $2 | 0.02% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $2 | $0 | $2 | 0.02% |
| GARY A EBERLIN3 | 3415 MAPLE RIDGE DRIVE WOOD RIVER, IL 62095 | AFLAC | $1 | $0 | $1 | 0.01% |
| THOMAS J PITZENBERGER3 | 1501 SUGARLAND PARKWAY PLEASANT HILL, MO 64080 | AFLAC | $1 | $0 | $1 | 0.01% |
| JUSTIN SCHADE3 | 128 CHARLTON DR MADISON, MS 39110 | AFLAC | $1 | $0 | $1 | 0.01% |
| VBTN, INC3 | 2000 GLEN ECHO ROAD STE 204 NASHVILLE, TN 37215 | AFLAC | $1 | $0 | $1 | 0.01% |
| LARA K GRANDE3 | 117 MORNING MIST LANE FRANKLIN, TN 37064 | AFLAC | $1 | $0 | $1 | 0.01% |
| SEWELL AND ASSOCIATES INC3 | 1055 MISTY LAKE DR LEBANON, TN 37087 | AFLAC | $1 | $0 | $1 | 0.01% |
| JEREMY S KLOKKENGA3 | 20097 SHAKER LAKE RD BLOOMINGTON, IL 61705 | AFLAC | $1 | $0 | $1 | 0.01% |
| RONALD H RICHEY3 | 4499 MURFREESBORO RD FRANKLIN, TN 37067 | AFLAC | $1 | $0 | $1 | 0.01% |
| RANDALL D LADNER3 | 6 GREENBRIAR DR GULFORT, MS 39507 | AFLAC | $1 | $0 | $1 | 0.01% |
| KANDI H HECKLER3 | 5453 HASELL DRIVE ROCKVALE, TN 37153 | AFLAC | $1 | $0 | $1 | 0.01% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $1 | $0 | $1 | 0.01% |
| CARLA T WITHERINGTON3 | 1405 HERRING DR COVINGTON, TN 38019 | AFLAC | $1 | $0 | $1 | 0.01% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $1 | $0 | $1 | 0.01% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $1 | $0 | $1 | 0.01% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVENUE WOLFORTH, TX 79382 | AFLAC | $1 | $0 | $1 | 0.01% |
| MATT STEINHAUER III3 Filed as: MATT STEINHAUER | 100 YORKSHIRE CT HENDERSONVILLE, TN 37075 | AFLAC | $1 | $0 | $1 | 0.01% |
| TRAVIS COCKBURN3 Filed as: TRAVIS J COCKBURN | PO BOX 335 JOHNSTON CITY, IL 62951 | AFLAC | $1 | $0 | $1 | 0.01% |
| JASON HOFFARD3 | 3415 OFFICE PARK DR STE C MARION, IL 62959 | AFLAC | $1 | $0 | $1 | 0.01% |
| MARTHA MONCKTON3 | 2411 E GRANDVIEW AVE PEORIA, IL 61614 | AFLAC | $1 | $0 | $1 | 0.01% |
| VICKI M BUTLER3 | 105 LONG LEAF PLACE MADISON, MS 39110 | AFLAC | $1 | $0 | $1 | 0.01% |
| AUTUMN BETHEA3 | 1053 MUNA CT SPRING HILL, TN 37174 | AFLAC | $1 | $0 | $1 | 0.01% |
| BRIAN E HICKS3 | 1327 JEWELL AVE FRANKLIN, TN 37064 | 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 | 445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 465 | $2.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 445 | $37K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 445 | $37K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 445 | $37K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 445 | $37K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 445 | $37K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 445 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 465 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.