| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37919 | HM INSURANCE GROUP | $46K | $0 | $46K | 15.00% |
| CINDY LYNN HANNA3 Filed as: CINDY HANNA | 8922 SNOWYPOINTE WAY KNOXVILLE, TN 37931 | AFLAC | $9K | $951 | $10K | 7.46% |
| STEPHANIE BECK3 | 147 RICHLAND RD GREENEVILLE, TN 37745 | AFLAC | $7K | $40 | $7K | 5.00% |
| EMMETT HAWKINS3 | PO BOX 322 ABINGDON, VA 24212 | AFLAC | $4K | $195 | $4K | 2.87% |
| JACKSON D RHODES3 Filed as: JACKSON RHODES | 525 W OAKLAND AVE STE 7 JOHNSON CITY, TN 37604 | AFLAC | $3K | $200 | $3K | 2.27% |
| GEORGE H COCHRAN3 Filed as: GEORGE COCHRAN | PO BOX 111 TALBOTT, TN 37877 | AFLAC | $1K | $0 | $1K | 0.84% |
| JAMES E GOLDRICK3 Filed as: JAMES GOLDRICK | 7317 BUSHNELL LN OOLTEWAH, TN 37363 | AFLAC | $1K | $0 | $1K | 0.76% |
| WANDA STEPP3 | 4720 FOWLER DRIVE MORRISTOWN, TN 37814 | AFLAC | $857 | $0 | $857 | 0.61% |
| LYNN HODGE3 | 430 ALFAFA LN JONESBOROUGH, TN 37659 | AFLAC | $835 | $0 | $835 | 0.60% |
| CAROL KINSLER3 | 2229 CHINQUAPUX GROVE RD BLUFF CITY, TN 37618 | AFLAC | $666 | $0 | $666 | 0.48% |
| JAMES C FARMER JR3 Filed as: JAMES FARMER JR | 641 OLD HICKORY BLVD UNIT 60 BRENTWOOD, TN 37027 | AFLAC | $447 | $0 | $447 | 0.32% |
| BETH MORROW3 | 4700 STAPLETON RD MORRISTOWN, TN 37813 | AFLAC | $409 | $0 | $409 | 0.29% |
| CHARLES F GREER3 | 9537 PECKY CYPRESS WAY ORLANDO, FL 32836 | AFLAC | $201 | $0 | $201 | 0.14% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $185 | $0 | $185 | 0.13% |
| NICOLE CABRERA3 | 235 VICK DR PARROTTSVILLE, TN 37843 | AFLAC | $145 | $0 | $145 | 0.10% |
| DAVID WHITAKER3 | 125 PRITCHARD DR JONESBOROUGH, TN 37659 | AFLAC | $63 | $27 | $90 | 0.06% |
| JAY OLEARY3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $83 | $0 | $83 | 0.06% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $70 | $0 | $70 | 0.05% |
| JOSEPH LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $59 | $0 | $59 | 0.04% |
| BRIAN LARSON3 | 883 FORD ST ALCOA, TN 37701 | AFLAC | $56 | $0 | $56 | 0.04% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $49 | $0 | $49 | 0.03% |
| JERRI A SURBER3 | 813 WEDGEWOOD RD JOHNSON CITY, TN 37604 | AFLAC | $44 | $0 | $44 | 0.03% |
| MATTHEW SMITH3 | 11829 OLDEGROVE PL TAMPA, FL 33617 | AFLAC | $42 | $0 | $42 | 0.03% |
| VBTN, INC3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $41 | $0 | $41 | 0.03% |
| JAMES C FARMER JR3 Filed as: JAMES FARMER III | 641 OLD HICKORY BLVD UNIT 60 BRENTWOOD, TN 37027 | AFLAC | $40 | $0 | $40 | 0.03% |
| RONALD H RICHEY3 Filed as: RONALD RICHEY | 4023 LAURAWOOD LN FRANKLIN, TX 37067 | AFLAC | $39 | $0 | $39 | 0.03% |
| RUTH HOBBS FARMER3 Filed as: RUTH FARMER | 641 OLD HICKORY BLVD UNIT 60 BRENTWOOD, TN 37027 | AFLAC | $36 | $0 | $36 | 0.03% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $36 | $0 | $36 | 0.03% |
| TERRI LAWSON DRAKE3 | 1009 PAINTER CREEK RD BRISTOL, TN 37620 | AFLAC | $31 | $0 | $31 | 0.02% |
| JOSHUA CLAYTON3 | 5 BLACKBERRY CT JOHNSON CITY, TN 37604 | AFLAC | $31 | $0 | $31 | 0.02% |
| SANDRA FIELDS3 | 1805 KING COLLEGE RD APT C13 BRISTOL, TN 37620 | AFLAC | $26 | $0 | $26 | 0.02% |
| SHARON DAVIS3 | 231 JOHN BOULDIN DR MARYVILLE, TN 37801 | AFLAC | $3 | $23 | $26 | 0.02% |
| KENNETH R MEREDITH3 | PO BOX 13 2113 WEATHERFORD CREEK ROAD LUTTS, TN 38471 | AFLAC | $24 | $0 | $24 | 0.02% |
| GARY STORY3 | PO BOX 4328 CRS JOHNSON CITY, TN 37602 | AFLAC | $23 | $0 | $23 | 0.02% |
| SAMUEL ANDERSON3 Filed as: SAMUEL G ANDERSON | 191 CHEROKEE STREET SURGOINSVILLE, TN 37873 | AFLAC | $22 | $0 | $22 | 0.02% |
| CATHY MCCLANAHAN3 | 1011 FOX COVE CIRCLE MARYVILLE, TN 37803 | AFLAC | $19 | $0 | $19 | 0.01% |
| VICKIE DENESE GRAVES3 Filed as: VICKIE GRAVES | 17622 ARCADIA POINT LN HUMBLE, TX 77346 | AFLAC | $19 | $0 | $19 | 0.01% |
| RYAN DREBING3 Filed as: RYAN DREBBING | 2112 N ROAN ST SUITE 702 JOHNSON CITY, TN 37601 | AFLAC | $13 | $5 | $18 | 0.01% |
| JOAN TAYLOR3 | 1841 NEEDMORE RD WHITESBURG, TN 37891 | AFLAC | $17 | $0 | $17 | 0.01% |
| DAVID R CHARLES3 | 214 WINDRIDGE COLONY JOHNSON CITY, TN 37601 | AFLAC | $17 | $0 | $17 | 0.01% |
| KATIE OLIVER3 | 708 CARRIGER AVENUE ELIZABETHTON, TN 37643 | AFLAC | $17 | $0 | $17 | 0.01% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $14 | $0 | $14 | 0.01% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $13 | $0 | $13 | 0.01% |
| CHARLES HOUGH3 | 162 SLATE HILL RD TELFORD, TN 37690 | AFLAC | $10 | $0 | $10 | 0.01% |
| LINDA WESTER3 | PO BOX 1816 MORRISTOWN, TN 37816 | AFLAC | $8 | $0 | $8 | 0.01% |
| FREDERICK HARRIS JR3 | 802 BUFFALO ST SUITE 14 JOHNSON CITY, TN 37604 | AFLAC | $8 | $0 | $8 | 0.01% |
| CARLA WITHERINGTON3 | 1405 HERRING DR COVINGTON, TN 38019 | AFLAC | $7 | $0 | $7 | 0.00% |
| JAMES R HILL JR3 Filed as: JAMES HILL | 11350 GATES MILLE DR KNOXVILLE, TN 37934 | AFLAC | $2 | $5 | $7 | 0.00% |
| MATTHEW D BUTLER3 Filed as: MATTHEW BUTLER | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $1 | $5 | $6 | 0.00% |
| AUTUMN BETHEA3 | 1053 MUNA CT SPRING HILL, TN 37174 | AFLAC | $4 | $0 | $4 | 0.00% |
| GAY M HUNDLEY3 Filed as: GAY HUNDLEY | 620 TAYLOR TRL MURPHY, TN 75094 | AFLAC | $4 | $0 | $4 | 0.00% |
| DALE I DAVIS3 Filed as: DALE DAVIS | 1856 TRAVELLER RD LEXINGTON, KY 40504 | AFLAC | $3 | $0 | $3 | 0.00% |
| GEORGE WILLIAMS3 | 208 GRAND PARK BLVD CHARLESTON, SC 29492 | AFLAC | $1 | $0 | $1 | 0.00% |
| ROGER MURRAY JOHNSON3 Filed as: ROGER JOHNSON | 1926 TURNING WHEEL LN FRANKLIN, TN 37067 | AFLAC | $1 | $0 | $1 | 0.00% |
| PAUL DANIEL CHRISTIAN3 Filed as: PAUL CHRISTIAN | 4211 PHOENIX DR CARROLLTON, TX 75010 | AFLAC | $1 | $0 | $1 | 0.00% |
| MATTHEW MALONEY3 | 6313 FALL RIVER DR THE COLONY, TX 75056 | AFLAC | $0 | $0 | $0 | 0.00% |
| GARY C KLEIN3 Filed as: GARY KLEIN | 3211 SAN SEBASTIAN DR CARROLLTON, TX 75006 | AFLAC | $0 | $0 | $0 | 0.00% |
| HARVEY EDWARD MCCREARY JR3 Filed as: HARVEY MCCREARY JR | 273 BELLWOOD DR GARLAND, TX 75040 | 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 | $14K | $5K | $19K | 20.67% |
| 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 | 20.71% |
| 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 | 25.98% |
| THOMAS STUBBS3 | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37919 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $2K | $0 | $2K | 10.08% |
| THOMAS STUBBS3 | 4823 OLD KINGSTON PIKE STE 205 KNOXVILLE, TN 37919 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $4K | $0 | $4K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 62-0427913 ADMINISTRATOR | Contract Administrator Service code 13 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | $103K |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 416 | $0 |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE | 338 | $0 |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE | 236 | $22K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $62K |
| Short-term disability | AFLAC | 192 | $140K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $92K |
| Stop-loss / reinsurancereinsurance | HM INSURANCE GROUP | 177 | $308K |
| Other(2 contracts, 2 carriers) | AFLAC | 209 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.