| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY WHITE3 | PO BOX 568 DICKERSON, TN 37056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $55K | $55K | 5.93% |
| BENEFITS INC3 | 241 BURCH ROAD CLARKSVILL, TN 37043 | USABLE LIFE | $4K | — | $4K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37405 | USABLE LIFE | $965 | $554 | $2K | 5.48% |
| JULIE L TEMPLETON3 Filed as: JULIE TEMPLETON | 709 HELMSADALE PL S BRENTWOOD, TN 37027 | AFLAC | $1K | $11 | $1K | 5.06% |
| JORDAN S SMITH3 Filed as: JORDAN SMITH | 307 SOUTHGATE CT BRENTWOOD, TN 37027 | AFLAC | $532 | $2 | $534 | 1.96% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 132 SEDONA WOODS TRL NOLENSVILLE, TN 37135 | AFLAC | $207 | — | $207 | 0.76% |
| CHAD DEVINE3 | 1668 CONSTELLATION CT MURFREESBORO, TN 37129 | AFLAC | $109 | — | $109 | 0.40% |
| JON R OVERACRE3 Filed as: JON OVERACRE | 10502 W 133RD TER APT 107 OVERLAND PARK, KS 66213 | AFLAC | $95 | — | $95 | 0.35% |
| HOLLY L MOSS3 Filed as: HOLLY MOSS | 1706 CHAMPIONSHIP BLVD FRANKLIN, TN 37064 | AFLAC | $93 | — | $93 | 0.34% |
| MICHAEL WARD3 | 10550 BARKLEY ST STE 203 OVERLAND PARK, KS 66212 | AFLAC | $39 | — | $39 | 0.14% |
| MATTHEW W BOESHORE3 Filed as: MATTHEW BOESHORE | 6010B LOUISIANA AVE NASHVILLE, TN 37209 | AFLAC | $29 | — | $29 | 0.11% |
| JOHN DALLAS BYERS3 | 2026 VALLEY BROOKS DR BRENTWOOD, TN 37027 | AFLAC | $24 | — | $24 | 0.09% |
| JAMES C FARMER JR3 Filed as: JAMES FARMER JR | 261 CRIMSON SKY CT DRIPPING SPRINGS, TX 78620 | AFLAC | $22 | — | $22 | 0.08% |
| JAMES PRIEST3 | 1009 NORCROSS DR NASHVILLE, TN 37217 | AFLAC | $13 | $2 | $15 | 0.06% |
| BRENT GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $13 | — | $13 | 0.05% |
| VBTN, INC3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $12 | — | $12 | 0.04% |
| JAY OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $5 | — | $5 | 0.02% |
| JOSEPH LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $3 | — | $3 | 0.01% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $1 | — | $1 | 0.00% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIAM RICHARD KYZER3 | 8211 GORDON LANE HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.47% |
| ANIMAL EMPIRE INC3 | 1024 GRANADA AVE NASHVILLE, TN 37206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.28% |
| DON FENNELL3 Filed as: DON FENNEL | 13659 QUEENS HARBOR BLVD N JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.26% |
| BENEFITS ENROLLMENT SERVICES INC3 | 210 CARDEN AVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.05% |
| WESLEY ALLEN HUDNALL3 | 4905 PARK PLACE DRIVE 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 | 729 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 174 | $933K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 174 | $933K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 174 | $933K |
| Life insurance(4 contracts, 4 carriers) | USABLE LIFE | 122 | $59K |
| Short-term disability | AFLAC | 18 | $27K |
| Long-term disability | AFLAC | 18 | $27K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 122 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.