| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS STUBBS3 | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37919 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $22K | $0 | $22K | 8.58% |
| CINDY LYNN HANNA3 Filed as: CINDY HANNA | 1177 GOLF COURSE RD NEWPORT, TN 37821 | AFLAC | $19K | $797 | $20K | 12.46% |
| EMMETT HAWKINS3 | PO BOX 322 ABINGDON, VA 24212 | AFLAC | $3K | $254 | $3K | 2.16% |
| JACKSON D RHODES3 Filed as: JACKSON RHODES | 525 W OAKLAND AVE STE 7 JOHNSON CITY, TN 37604 | AFLAC | $3K | $212 | $3K | 1.96% |
| JAMES E GOLDRICK3 Filed as: JAMES GOLDRICK | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $2K | $0 | $2K | 1.03% |
| LYNN HODGE3 | 32 EARHART RD BLUFF CITY, TN 37618 | AFLAC | $1K | $0 | $1K | 0.78% |
| WANDA STEPP3 | 4720 FOWLER DRIVE MORRISTOWN, TN 37814 | AFLAC | $1K | $0 | $1K | 0.76% |
| CAROL KINSLER3 | 2229 CHINQUAPUX GROVE RD BLUFF CITY, TN 37618 | AFLAC | $977 | $0 | $977 | 0.62% |
| JAMES C FARMER JR3 Filed as: JAMES FARMER JR | 641 OLD HICKORY BLVD UNIT 60 BRENTWOOD, TN 37027 | AFLAC | $679 | $0 | $679 | 0.43% |
| BETH MORROW3 | 4700 STAPLETON RD MORRISTOWN, TN 37813 | AFLAC | $537 | $0 | $537 | 0.34% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $290 | $0 | $290 | 0.19% |
| CHARLES F GREER3 | 2888 ALOMA LAKE RUN SUITE 2300 OVIEDO, FL 32765 | AFLAC | $279 | $0 | $279 | 0.18% |
| NICOLE CABRERA3 | 235 VICK DR PARROTTSVILLE, TN 37843 | AFLAC | $121 | $0 | $121 | 0.08% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $92 | $0 | $92 | 0.06% |
| RUTH HOBBS FARMER3 Filed as: RUTH FARMER | 641 OLD HICKORY BLVD UNIT 60 BRENTWOOD, TN 37027 | AFLAC | $69 | $0 | $69 | 0.04% |
| TERRI LAWSON DRAKE3 | 1009 PAINTER CREEK RD BRISTOL, TN 37620 | AFLAC | $62 | $0 | $62 | 0.04% |
| JAMES C FARMER JR3 Filed as: JAMES FARMER III | 641 OLD HICKORY BLVD UNIT 60 BRENTWOOD, TN 37027 | AFLAC | $58 | $0 | $58 | 0.04% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $51 | $5 | $56 | 0.04% |
| VBTN, INC3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $55 | $0 | $55 | 0.04% |
| JERRI A SURBER3 | 813 WEDGEWOOD RD JOHNSON CITY, TN 37604 | AFLAC | $55 | $0 | $55 | 0.04% |
| SAMUEL ANDERSON3 Filed as: SAMUEL G ANDERSON | 191 CHEROKEE STREET SURGOINSVILLE, TN 37873 | AFLAC | $55 | $0 | $55 | 0.04% |
| MATTHEW SMITH3 | 11829 OLDEGROVE PL TAMPA, FL 33617 | AFLAC | $50 | $0 | $50 | 0.03% |
| RONALD H RICHEY3 Filed as: RONALD RICHEY | 4023 LAURAWOOD LN FRANKLIN, TX 37067 | AFLAC | $48 | $0 | $48 | 0.03% |
| JAY OLEARY3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $36 | $11 | $47 | 0.03% |
| JOAN TAYLOR3 | 1841 NEEDMORE RD WHITESBURG, TN 37891 | AFLAC | $29 | $14 | $43 | 0.03% |
| JOSHUA CLAYTON3 | 627 CHARLIE HICKS RD JONESBOROUGH, TN 37659 | AFLAC | $41 | $0 | $41 | 0.03% |
| SANDRA FIELDS3 | 246 AESQUE ST EXT KINGSPORT, TN 37665 | AFLAC | $37 | $0 | $37 | 0.02% |
| GARY STORY3 | PO BOX 4328 CRS JOHNSON CITY, TN 37602 | AFLAC | $32 | $0 | $32 | 0.02% |
| KENNETH R MEREDITH3 | PO BOX 13 2113 WEATHERFORD CREEK ROAD LUTTS, TN 38471 | AFLAC | $28 | $0 | $28 | 0.02% |
| JOSEPH LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $26 | $0 | $26 | 0.02% |
| DAVID R CHARLES3 | 214 WINDRIDGE COLONY JOHNSON CITY, TN 37601 | AFLAC | $20 | $0 | $20 | 0.01% |
| LINDA WESTER3 | PO BOX 1816 MORRISTOWN, TN 37816 | AFLAC | $17 | $0 | $17 | 0.01% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $16 | $0 | $16 | 0.01% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $14 | $0 | $14 | 0.01% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $6 | $5 | $11 | 0.01% |
| FREDERICK HARRIS JR3 | 802 BUFFALO ST SUITE 14 JOHNSON CITY, TN 37604 | AFLAC | $10 | $0 | $10 | 0.01% |
| CARLA WITHERINGTON3 | 1405 HERRING DR COVINGTON, TN 38019 | AFLAC | $3 | $0 | $3 | 0.00% |
| CLIFF STEPP3 | 4720 FOWLER DR MORRISTOWN, TN 37814 | AFLAC | $2 | $0 | $2 | 0.00% |
| AUTUMN BETHEA3 | 3023 CANDELITE DR SPRING HILL, TN 37174 | AFLAC | $1 | $0 | $1 | 0.00% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 350 E SHORT ST NUMBER 416 LEXINGTON, KY 40507 | AFLAC | $1 | $0 | $1 | 0.00% |
| GEORGE WILLIAMS3 | 208 GRAND PARK BLVD CHARLESTON, SC 29492 | AFLAC | $1 | $0 | $1 | 0.00% |
| ROGER MURRAY JOHNSON3 Filed as: ROGER JOHNSON | 1311 DECATUR CIR FRANKLIN, TN 37067 | AFLAC | $0 | $0 | $0 | 0.00% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $6K | $19K | 21.44% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 21.43% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 26.35% |
| THOMAS STUBBS3 | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37919 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $3K | $0 | $3K | 13.13% |
| THOMAS STUBBS3 | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37919 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $3K | $0 | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 62-0427913 ADMINISTRATOR | Contract Administrator Service code 13 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | $102K |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 406 | $257K |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE | 329 | $0 |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE | 211 | $20K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $60K |
| Short-term disability | AFLAC | 162 | $157K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $87K |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 406 | $446K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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.