| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY WHITE3 | PO BOX 568 DICKERSON, TN 37056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $24K | $24K | 4.35% |
| JULIE L TEMPLETON3 Filed as: JULIE TEMPLETON | 709 HELMSADALE PL S BRENTWOOD, TN 37027 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) | $2K | — | $2K | 5.27% |
| JORDAN S SMITH3 Filed as: JORDAN SMITH | 240 WILSON PIKE CIR STE 200 BRENTWOOD, TN 37027 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) | $889 | — | $889 | 2.12% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 5111 MARLAND WAY STE 210 BRENTWOOD, TN 37027 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) | $280 | — | $280 | 0.67% |
| JON R OVERACRE3 Filed as: JON OVERACRE | 10502 W 133RD TER APT 107 OVERLAND PARK, KS 66213 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) | $138 | — | $138 | 0.33% |
| CHAD DEVINE3 | 1668 CONSTELLATION CT MURFREESBORO, TN 37129 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) | $127 | — | $127 | 0.30% |
| HOLLY L MOSS3 Filed as: HOLLY MOSS | 1706 CHAMPIONSHIP BLVD FRANKLIN, TN 37064 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) | $109 | — | $109 | 0.26% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 132 SEDONA WOODS TRL NOLENSVILLE, TN 37135 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) | $60 | — | $60 | 0.14% |
| MICHAEL WARD3 | 10550 BARKLEY ST STE 203 OVERLAND PARK, KS 66212 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) | $46 | — | $46 | 0.11% |
| MATTHEW W BOESHORE3 Filed as: MATTHEW BOESHORE | 6010B LOUISIANA AVE NASHVILLE, TN 37209 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) | $45 | — | $45 | 0.11% |
| JOHN DALLAS BYERS3 | 2026 VALLEY BROOKS DR BRENTWOOD, TN 37027 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) | $28 | — | $28 | 0.07% |
| JAMES C FARMER JR3 Filed as: JAMES FARMER JR | 641 OLD HICKORY BLVD UNIT 60 BRENTWOOD, TN 37027 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) | $26 | — | $26 | 0.06% |
| JAMES PRIEST3 | 1009 NORCROSS DR NASHVILLE, TN 37217 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) | $22 | — | $22 | 0.05% |
| BRENT GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) | $19 | — | $19 | 0.05% |
| BETTY J LINDSEY3 Filed as: BETTY LINDSEY | 1216 GENERAL GEORGE PATTON RD NASHVILLE, TN 37221 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) | $16 | — | $16 | 0.04% |
| VBTN, INC3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) | $15 | — | $15 | 0.04% |
| KANDI M MCINTYRE3 Filed as: KANDI MCINTYRE | 2000 MALLORY LN STE 130-378 FRANKLIN, TN 37135 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) | $7 | — | $7 | 0.02% |
| JAY OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) | $7 | — | $7 | 0.02% |
| JOSEPH LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) | $5 | — | $5 | 0.01% |
| DONALD BURNETT3 | 152 ABBEY RD GALLATIN, TN 37066 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) | $4 | — | $4 | 0.01% |
| CRUSER MARKETING INC3 | 7516 BLUEBONNET BLVD 116 BATON ROUGE, LA 70810 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) | $2 | — | $2 | 0.00% |
| ROBERT GOBLE3 | 250 34TH AVE HICKORY, NC 28601 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) | $2 | — | $2 | 0.00% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) | $2 | — | $2 | 0.00% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) | $2 | — | $2 | 0.00% |
| KIMBERLY MURRAY3 Filed as: KIMBERLY MURRY | 8949 POPLAR PIKE GERMANTOWN, TN 38138 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) | $0 | — | $0 | 0.00% |
| AMY B CITRON3 Filed as: AMY CITRON | 1024 GRANADA AVE NASHVILLE, TN 37206 | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) | — | $0 | $0 | 0.00% |
| BENEFITS INC3 | 241 BURCH ROAD CLARKSVILL, TN 37043 | USABLE LIFE | $3K | — | $3K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37405 | USABLE LIFE | $879 | $458 | $1K | 5.84% |
| WILLIAM RICHARD KYZER3 | 8211 GORDON LANE HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.46% |
| ANIMAL EMPIRE INC3 | 1024 GRANADA AVE NASHVILLE, TN 37206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.32% |
| DON FENNELL3 Filed as: DON FENNEL | 13659 QUEENS HARBOR BLVD N JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.29% |
| BENEFITS ENROLLMENT SERVICES INC3 | 210 CARDEN AVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.06% |
| WESLEY ALLEN HUDNALL3 | 1930 CLARKS DR CONWAY, AR 72034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $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 | 716 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 719 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 122 | $552K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 122 | $552K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 122 | $552K |
| Life insurance(4 contracts, 4 carriers) | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) | 111 | $69K |
| Short-term disability | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) | 21 | $42K |
| Long-term disability | AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS (AFLAC) | 21 | $42K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 111 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.