| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRANDON STAHL3 | 606 SOUTH MENDENHALL SUITE 200 MEMPHIS, TN 38117 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $7K | — | $7K | 7.66% |
| JOSEPH W WILSON3 Filed as: JOSEPH WILSON | P.O. BOX 1063 COLLIERVILLE, TN 38027 | AFLAC | $7K | $680 | $7K | 11.68% |
| WILLIAM T GANT3 Filed as: WILLIAM GANT | 1355 B LYNNFIELD RD SUITE 259 MEMPHIS, TN 38119 | AFLAC | $1K | $136 | $1K | 1.87% |
| TIMOTHY INGRAM3 | 1731 MOUNT ZION RD JACKSONVILLE, IL 62650 | AFLAC | $740 | $136 | $876 | 1.42% |
| CANDACE P CLEMONS-SNEED3 Filed as: CANDACE CLEMONS-SNEED | 2773 LYNCHBURG ST MEMPHIS, TN 38134 | AFLAC | $547 | — | $547 | 0.89% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DR NORWALK, IA 50211 | AFLAC | $276 | — | $276 | 0.45% |
| CATHERINE H EDWARDS3 Filed as: CATHERINE EDWARDS | 368 FOUNTAIN LAKE DR MEMPHIS, TN 38120 | AFLAC | $207 | — | $207 | 0.34% |
| KIMBERLY DIAN CROCKETT3 Filed as: KIMBERLY CROCKETT | 505 LEE ROAD 214 PHENIX CITY, AL 36870 | AFLAC | $161 | — | $161 | 0.26% |
| DANIEL C HARRIS3 Filed as: DANIEL HARRIS | 4110 WILLOW CREEK DR GIBSONIA, PA 15044 | AFLAC | $103 | — | $103 | 0.17% |
| DANNY L WILLIAMS3 Filed as: DANNY WILLIAMS | 18 PECAN CIR JACKSON, TN 38301 | AFLAC | $93 | — | $93 | 0.15% |
| THOMAS EDWARD SHEFFIELD3 Filed as: THOMAS SHEFFIELD | PO BOX 151 MC COOL JUNCTION, NE 68401 | AFLAC | $79 | — | $79 | 0.13% |
| DAVID L DACUS3 Filed as: DAVID DACUS | 1416 RIVER PINE DR COLLIERVILLE, TN 38017 | AFLAC | $71 | — | $71 | 0.12% |
| ROBERT M LYMAN3 Filed as: ROBERT LYMAN | 1145 SPARKLING CRYSTAL AVE HENDERSON, NV 89015 | AFLAC | $68 | — | $68 | 0.11% |
| JOHN CHRISTOPHER PRATHER3 Filed as: JOHN HEEREN | 118 PINEHURST ST MEMPHIS, TN 38117 | AFLAC | $68 | — | $68 | 0.11% |
| WENDY ELIZABETH WESOLOWSKI3 Filed as: WENDY WESOLOWSKI | 1284 N 12TH AVE PENSACOLA, FL 32503 | AFLAC | $61 | — | $61 | 0.10% |
| AUDRA P RAY3 Filed as: AUDRA GLISSEN | 1559 LAWTON TRL APT 308 GERMANTOWN, TN 38138 | AFLAC | $47 | — | $47 | 0.08% |
| HAROLD L POSTON SR3 Filed as: HAROLD POSTON SR | 1559 LAWTON TRL GERMANTOWN, TN 38138 | AFLAC | $41 | — | $41 | 0.07% |
| MARK MARQUEZ3 | 11225 N 28TH DR STE A 106 PHOENIX, AZ 85029 | AFLAC | $36 | — | $36 | 0.06% |
| ROBERT GOBLE3 | 1410 4TH STREET DR NW UNIT 208 HICKORY, NC 28601 | AFLAC | $34 | — | $34 | 0.06% |
| DANIEL E TORRES3 Filed as: DANIEL TORRES | 1750 FARMINGTON CIR WELLINGTON, FL 33414 | AFLAC | $32 | — | $32 | 0.05% |
| GREG GRIFFITH3 | 393 TENNESSEE ST APT 1 MEMPHIS, TN 38103 | AFLAC | $32 | — | $32 | 0.05% |
| KENNETH ELDRED3 | 611 BELMONT ESTATES DR HERNANDO, MS 38632 | AFLAC | $28 | — | $28 | 0.05% |
| DAVID PRESSLEY3 | 1112 PERSON RD OAKLAND, TN 38060 | AFLAC | $27 | — | $27 | 0.04% |
| PHILLIP L DAGASTINO3 Filed as: PHILLIP DAGASTINO | 5301 PECAN GROVE LN MEMPHIS, TN 38120 | AFLAC | $24 | — | $24 | 0.04% |
| KIMBERLY MURRAY3 | 8530 WOODLANE DR GERMANTOWN, TN 38138 | AFLAC | $21 | — | $21 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD BROWN | 5150 BAY TOWN CONWAY, AR 72034 | AFLAC | $17 | — | $17 | 0.03% |
| LINDA MARIE SHERLOCK3 Filed as: LINDA SHERLOCK | 108 ETTER ST HOT SPRINGS, AR 71901 | AFLAC | $17 | — | $17 | 0.03% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $16 | — | $16 | 0.03% |
| DAVID L KLEVAN3 Filed as: DAVID KLEVAN | PO BOX 38219 GERMANTOWN, TN 38183 | AFLAC | $14 | — | $14 | 0.02% |
| DONALD B COOK JR3 Filed as: DONALD COOK JR | 113 CAMERON POINTE DR LAGRANGE, GA 30240 | AFLAC | $10 | — | $10 | 0.02% |
| RONALD H RICHEY3 Filed as: RONALD RICHEY | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $10 | — | $10 | 0.02% |
| SHERI L DUFFIN3 Filed as: SHERI DUFFIN | 1686 VILLAGE RIDGE RD COLLIERVILLE, TN 38017 | AFLAC | $10 | — | $10 | 0.02% |
| SEWELL AND ASSOCIATES INC3 | 1055 MISTY LAKE DR LEBANON, TN 37087 | AFLAC | $10 | — | $10 | 0.02% |
| JOSHUA JONES3 | 1307 CAMPANIA NEW BRAUNFELS, TX 78132 | AFLAC | $10 | — | $10 | 0.02% |
| JAY OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $9 | — | $9 | 0.01% |
| DANA L PURNELL3 Filed as: DANA PURNELL | 1121 E SPRING CREEK PKWY STE 110-134 PLANO, TX 75074 | AFLAC | $9 | — | $9 | 0.01% |
| GREGORY RIPKE3 | PO BOX 407 RED OAK, NC 27868 | AFLAC | $9 | — | $9 | 0.01% |
| VBTN, INC3 Filed as: VBTN, INC. | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $8 | — | $8 | 0.01% |
| TAMI S GILL3 Filed as: TAMI GILL | 53 MICHELLE DR BRIGHTON, TN 38011 | AFLAC | $8 | — | $8 | 0.01% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BLVD BRENTWOOD, TN 37027 | AFLAC | $5 | — | $5 | 0.01% |
| MP JONES & ASSOCIATES3 | 13846 ATLANTIC BLVD APT 101 JACKSONVILLE, FL 32225 | AFLAC | $5 | — | $5 | 0.01% |
| JOANNA G MATHERLY3 Filed as: JOANNA MATHERLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $5 | — | $5 | 0.01% |
| AMY B CITRON3 Filed as: AMY CITRON | 1024 GRANADA AVE NASHVILLE, TN 37206 | AFLAC | $4 | — | $4 | 0.01% |
| PAMELA W EZZELL3 Filed as: PAMELA EZZELL | 2947 CHERRYBARK CT HERMITAGE, TN 37076 | AFLAC | $4 | — | $4 | 0.01% |
| TONYA SUE ELMORE3 Filed as: TONYA ELMORE | 1930 HIGHWAY 71 E MANSFIELD, AR 72944 | AFLAC | $3 | — | $3 | 0.00% |
| CHARLES L CHANCELLOR3 Filed as: CHARLES CHANCELLOR | 903 WEATHERFORD DR BENTON, AR 72015 | AFLAC | $3 | — | $3 | 0.00% |
| BRIAN E HICKS3 Filed as: BRIAN HICKS | 188 FRONT ST STE 11639 FRANKLIN, TN 37064 | AFLAC | $1 | — | $1 | 0.00% |
| MATT STEINHAUER III3 | 100 YORKSHIRE CT HENDERSONVILLE, TN 37075 | AFLAC | $1 | — | $1 | 0.00% |
| ROGER MURRAY JOHNSON3 Filed as: ROGER JOHNSON | 1926 TURNING WHEEL LN FRANKLIN, TN 37067 | AFLAC | $1 | — | $1 | 0.00% |
| BRADLEY BOLICK3 | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| CHERISE M WADE3 Filed as: CHERISE WADE | 1931 HIGHWAY 90 W SEALY, TX 77474 | AFLAC | $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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INTERMEDIARY INSURANCE SERVICE | 141 | $182K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 259 | $91K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 259 | $91K |
| Life insurance | AFLAC | 77 | $62K |
| Prescription drug | HCC LIFE INSURANCE COMPANY | 141 | $18K |
| Other | AFLAC | 77 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.