| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TIMOTHY WHITE3 | PO BOX 568 DICKERSON, TN 37056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $59K | $59K | 5.95% |
| JULIE L TEMPLETON3 Filed as: JULIE TEMPLETON | 709 HELMSDALE PL S BRENTWOOD, TN 37027 | AFLAC | $5K | $11 | $5K | 14.65% |
| JORDAN S SMITH3 Filed as: JORDAN SMITH | 6669 ARNO ALLISONA RD COLLEGE GROVE, TN 37046 | AFLAC | $896 | $2 | $898 | 2.84% |
| WILLIAM AKINES3 | 1927 DUNEDIN DR OLD HICKORY, TN 37138 | AFLAC | $477 | — | $477 | 1.51% |
| PETER JOHN REGINELLI3 | 131 STREAM VALLEY BLVD FRANKLIN, TN 37064 | AFLAC | $331 | $2 | $333 | 1.05% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 132 SEDONA WOODS TRL NOLENSVILLE, TN 37135 | AFLAC | $180 | — | $180 | 0.57% |
| CHAD DEVINE3 | 1668 CONSTELLATION CT MURFREESBORO, TN 37129 | AFLAC | $99 | — | $99 | 0.31% |
| HOLLY L MOSS3 Filed as: HOLLY MOSS | 1706 CHAMPIONSHIP BLVD FRANKLIN, TN 37064 | AFLAC | $93 | — | $93 | 0.29% |
| JON R OVERACRE3 Filed as: JON OVERACRE | 1300 NE HILLTOP DR BLUE SPRINGS, MO 64014 | AFLAC | $75 | — | $75 | 0.24% |
| JOANNA G MATHERLY3 Filed as: JOANNA GRACE MATHERLY | 4581 MAJESTIC MEADOWS DR ARRINGTON, TN 37014 | AFLAC | $63 | — | $63 | 0.20% |
| MICHAEL WARD3 | 10550 BARKLEY ST STE 203 OVERLAND PARK, KS 66212 | AFLAC | $39 | — | $39 | 0.12% |
| MATTHEW W BOESHORE3 Filed as: MATTHEW BOESHORE | 6010B LOUISIANA AVE NASHVILLE, TN 37209 | AFLAC | $29 | — | $29 | 0.09% |
| JOHN DALLAS BYERS3 | 2026 VALLEY BROOKS DR BRENTWOOD, TN 37027 | AFLAC | $24 | — | $24 | 0.08% |
| JAMES C FARMER JR3 Filed as: JAMES FARMER JR | 261 CRIMSON SKY CT DRIPPING SPRINGS, TX 78620 | AFLAC | $18 | — | $18 | 0.06% |
| BRENT GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $13 | — | $13 | 0.04% |
| VBTN, INC3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $12 | — | $12 | 0.04% |
| JAMES PRIEST3 | 1009 NORCROSS DR NASHVILLE, TN 37217 | AFLAC | $6 | — | $6 | 0.02% |
| 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% |
| BENEFITS INC3 | 241 BURCH ROAD CLARKSVILLE, TN 37043 | USABLE LIFE | $5K | — | $5K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE - 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $848 | $629 | $1K | 4.69% |
| WILLIAM RICHARD KYZER3 | 8211 GORDON LANE HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.42% |
| ANIMAL EMPIRE INC3 | 1024 GRANADA AVE NASHVILLE, TN 37206 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.25% |
| DON FENNELL3 Filed as: DON FENNEL | 13659 QUEENS HARBOR BLVD N JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.22% |
| 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 | 790 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 795 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 217 | $989K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 217 | $989K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 217 | $989K |
| Life insurance(4 contracts, 4 carriers) | AFLAC | 131 | $67K |
| Short-term disability | AFLAC | 25 | $32K |
| Long-term disability | AFLAC | 25 | $32K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 131 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.