| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLIFFORD G HALL3 | 319 COUNCIL BLUFF PARKWAY MURFREESBORO, TN 371276355 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $28K | — | $28K | 3.67% |
| EDWIN MCKNIGHT3 | 1850 MEMORIAL BLVD MURFREESBORO, TN 37129 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $5K | — | $5K | 0.70% |
| HALL CLIFFORD3 | 319 COUNCIL BLUFF PKWY MURFREESBORO, TN 37127 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 7.79% |
| MCKNIGHT ADVISORY GROUP INC3 | 1850 MEMORIAL BLVD MURFREESBORO, TN 37129 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 2.22% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 27612 | SUN LIFE ASSURANCE COMPANY OF CANADA | $619 | — | $619 | 1.01% |
| CLIFFORD G HALL3 | 319 COUNCIL BLUFF PKWY MURFREESBORO, TN 37127 | AFLAC | $855 | — | $855 | 8.72% |
| LUKE COPELAND3 | 519 WELLS RD MERIDIANVILLE, AL 35759 | AFLAC | $319 | — | $319 | 3.25% |
| AUSTIN RADER3 | 106 FERRELL AVE STE 6 KINGSPORT, TN 37663 | AFLAC | $162 | — | $162 | 1.65% |
| ASHLEY P RADER3 | 242 HERITAGE PARK DR STE 106 MURFREESBORO, TN 37129 | AFLAC | $63 | — | $63 | 0.64% |
| DAVID M CRUMLEY3 | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $43 | — | $43 | 0.44% |
| STEPHEN E RANDALL3 | 614 WESTCHESTER DR CROSSVILLE, TN 38558 | AFLAC | $35 | — | $35 | 0.36% |
| CHARLES HARTHUN3 Filed as: CHARLES B HARTHUN | 1577 LAWSON RD CROSSVILLE, TN 38571 | AFLAC | $25 | — | $25 | 0.25% |
| VBTN, INC3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $23 | — | $23 | 0.23% |
| ALAN W MARTIN3 Filed as: ALAN MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $13 | — | $13 | 0.13% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $7 | — | $7 | 0.07% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 185 | $767K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 185 | $767K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 185 | $767K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $61K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $61K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $61K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.