| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELIZABETH ZIEGLER3 | PO BOX 1068 COOKVILLE, TN 38503 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $38K | — | $38K | 3.30% |
| SHEILA COOK3 | 110 MATHIS DRIVE STE 106 DICKSON, TN 37055 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $17K | — | $17K | 1.50% |
| 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 | $6K | — | $6K | 8.17% |
| BENEFITS INC3 | PO BOX 568 DICKSON, TN 37056 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 3.36% |
| BB&T INSURANCE SERVICES, INC. Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 27612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 13.49% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | PO BOX 1068 COOKEVILLE, TN 38503 | AFLAC | $3K | — | $3K | 11.09% |
| ERIN PEDERSON Filed as: ERIN M PEDERSON | 8405 VININGS WAY KNOXVILLE, TN 37919 | AFLAC | $2K | $41 | $2K | 8.49% |
| CLIFFORD G HALL Filed as: CLIFFORD F HALL | 319 COUNCIL BLUFF PKWY MURFREESBORO, TN 37127 | AFLAC | $828 | — | $828 | 3.38% |
| MATTHEW D BUTLER | 123 CENTER PARK DRIVE STE 102 KNOXVILLE, TN 37922 | AFLAC | $674 | $16 | $690 | 2.81% |
| JACK B TURNER Filed as: JACK B TURNER AND ASSOCIATES INC | PO BOX 627 CLARKSVILLE, TN 37041 | AFLAC | $476 | $0 | $476 | 1.94% |
| LUKE COPELAND | 519 WELLS RD MERIDIANVILLE, AL 35759 | AFLAC | $313 | — | $313 | 1.28% |
| AUSTIN RADER | 106 FERRELL AVE STE 6 KINGSPORT, TN 37663 | AFLAC | $159 | — | $159 | 0.65% |
| JORDAN S SMITH | 22 PUBLIC SQ STE 14 COLUMBIA, TN 38401 | AFLAC | $137 | $0 | $137 | 0.56% |
| DAVID M CRUMLEY | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $99 | — | $99 | 0.40% |
| STEPHEN E RANDALL | 614 WESTCHESTER DRIVE CROSSVILLE, TN 38558 | AFLAC | $49 | — | $49 | 0.20% |
| SHERRI L BASHORE Filed as: SHERRI L. BASHORE | PO BOX 40327 NASHVILLE, TN 37204 | AFLAC | $46 | — | $46 | 0.19% |
| CHARLES HARTHUN Filed as: CHARLES B HARTHUN | 1577 LAWSON ROAD CROSSVILLE, TN 38571 | AFLAC | $28 | — | $28 | 0.11% |
| ALAN W MARTIN | 12524 MALLARD BAY DR KNOXVILLET, TN 37922 | AFLAC | $27 | — | $27 | 0.11% |
| VBTN, INC | 2000 GLEN ECHO RD STE 204 NASHVILLET, TN 37215 | AFLAC | $27 | — | $27 | 0.11% |
| ASHLEY P RADER | 242 HERITAGE PARK DRIVE STE 106 MURFREESBORO, TN 37129 | AFLAC | $22 | — | $22 | 0.09% |
| JAY S OLEARY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $21 | — | $21 | 0.09% |
| JOANNA G MATHERLY | 2000 GLEN ECHO ROAD STE 204 NASHVILLET, TN 37215 | AFLAC | $9 | — | $9 | 0.04% |
| BRENT L GOODE Filed as: BRENT L GOODGE | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $9 | — | $9 | 0.04% |
| CHARLES HARTHUN Filed as: CHARLES B HARTHUN | 105 CASSADY PLACE CROSSVILLET, TN 38555 | AFLAC | $6 | — | $6 | 0.02% |
| JOSEPH L LEDOUX | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $2 | — | $2 | 0.01% |
| BENEFITS INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | AFLAC | $1 | — | $1 | 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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 119 | $1.2M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 119 | $1.2M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 119 | $1.2M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 111 | $73K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 111 | $73K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 111 | $73K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 119 | $1.2M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 111 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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."
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.
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.