| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHEILA COOK3 | PO BOX 568 DICKSON, TN 37056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $37K | — | $37K | 5.84% |
| BENEFITS INC3 | PO BOX 568 DICKSON, TN 37056 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 10.39% |
| JACK B TURNER Filed as: JACK B TURNER AND ASSOCIATES INC | PO BOX 627 CLARKSVILLE, TN 37041 | AFLAC | $856 | $0 | $856 | 5.02% |
| CLIFFORD G HALL | 319 COUNCIL BLUFF PKWY MURFREESBORO, TN 37127 | AFLAC | $548 | $0 | $548 | 3.22% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 1068 COOKEVILLE, TN 38503 | AFLAC | $333 | $0 | $333 | 1.95% |
| LUKE COPELAND | 519 WELLS RD MERIDIANVILLE, AL 35759 | AFLAC | $289 | $0 | $289 | 1.70% |
| ERIN PEDERSON Filed as: ERIN M PEDERSON | 8405 VININGS WAY KNOXVILLE, TN 37919 | AFLAC | $237 | $23 | $260 | 1.53% |
| DAVID M CRUMLEY | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $165 | $22 | $187 | 1.10% |
| JORDAN S SMITH Filed as: JORDAN SMITH | 22 PUBLIC SQ STE 14 COLUMBIA, TN 38401 | AFLAC | $160 | $13 | $173 | 1.02% |
| JORDAN S SMITH Filed as: JORDAN SMITH | 240 WILSON PIKE CIR STE 200 BRENTWOOD, TN 37027 | AFLAC | $108 | $9 | $117 | 0.69% |
| AUSTIN RADER | 106 FERRELL AVE STE 6 KINGSPORT, TN 37663 | AFLAC | $112 | $0 | $112 | 0.66% |
| MATTHEW D BUTLER Filed as: MATTHEW BUTLER | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $96 | $9 | $105 | 0.62% |
| SHERRI L BASHORE | PO BOX 40327 NASHVILLE, TN 37204 | AFLAC | $84 | $0 | $84 | 0.49% |
| STEPHEN E RANDALL | 614 WESTCHESTER DR CROSSVILLE, TN 38558 | AFLAC | $34 | $0 | $34 | 0.20% |
| CHARLES HARTHUN Filed as: CHARLES B HARTHUN | 408 S TIPTON STREET COVINGTON, TN 38019 | AFLAC | $24 | $0 | $24 | 0.14% |
| ALAN W MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $20 | $0 | $20 | 0.12% |
| VBTN, INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $19 | $0 | $19 | 0.11% |
| JAY S OLEARY | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $16 | $0 | $16 | 0.09% |
| JOANNA G MATHERLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $8 | $0 | $8 | 0.05% |
| BRENT L GOODE | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $7 | $0 | $7 | 0.04% |
| JOSEPH L LEDOUX | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $1 | $0 | $1 | 0.01% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 101 | $627K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 101 | $627K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 101 | $627K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $55K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $55K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $55K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 101 | $627K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 126 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.