| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHEILA COOK3 | PO BOX 568 DICKSON, TN 37056 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $35K | — | $35K | 6.83% |
| BENEFITS INC3 | PO BOX 568 DICKSON, TN 37056 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 11.59% |
| BENEFITS INC3 | 110 MATHIS DRIVE STE 106 DICKSON, TN 37056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 56.59% |
| CLIFFORD G HALL | 319 COUNCIL BLUFF PKWY MURFREESBORO, TN 37127 | AFLAC | $548 | — | $548 | 3.76% |
| LUKE COPELAND | 519 WELLS RD MERIDIANVILLE, AL 35759 | AFLAC | $241 | — | $241 | 1.65% |
| JACK B TURNER3 Filed as: JACK B TURNER AND ASSOCIATES INC | PO BOX 627 CLARKSVILLE, TN 37041 | AFLAC | $170 | — | $170 | 1.17% |
| ERIN PEDERSON Filed as: ERIN M KRAGENBRINK | 8405 VININGS WAY KNOXVILLE, TN 37919 | AFLAC | $152 | — | $152 | 1.04% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 1068 COOKEVILLE, TN 38503 | AFLAC | $150 | — | $150 | 1.03% |
| JORDAN S SMITH | 240 WILSON PIKE CIR STE 200 BRENTWOOD, TN 37027 | AFLAC | $101 | — | $101 | 0.69% |
| AUSTIN RADER | 106 FERRELL AVE STE 6 KINGSPORT, TN 37663 | AFLAC | $66 | — | $66 | 0.45% |
| MATTHEW D BUTLER Filed as: MATTHEW BUTLER | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $61 | — | $61 | 0.42% |
| DAVID M CRUMLEY | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $52 | — | $52 | 0.36% |
| AUSTIN RADER | 525 W OAKLAND AVE STE 7 JOHNSON CITY, TN 37604 | AFLAC | $47 | — | $47 | 0.32% |
| STEPHEN E RANDALL | 614 WESTCHESTER DR CROSSVILLE, TN 38558 | AFLAC | $34 | — | $34 | 0.23% |
| CHARLES HARTHUN Filed as: CHARLES BRYAN HARTHUN | 10396 SW 65TH TER OCALA, FL 34476 | AFLAC | $24 | — | $24 | 0.16% |
| ALAN W MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $20 | — | $20 | 0.14% |
| VBTN, INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $19 | — | $19 | 0.13% |
| JAY S OLEARY | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $17 | — | $17 | 0.12% |
| SHERRI L BASHORE | PO BOX 40327 NASHVILLE, TN 37204 | AFLAC | $12 | — | $12 | 0.08% |
| SHERRI L BASHORE | 6949 CHARLOTTE PIKE STE 105 NASHVILLE, TN 37209 | AFLAC | $9 | — | $9 | 0.06% |
| BRENT L GOODE | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $7 | — | $7 | 0.05% |
| JOANNA G MATHERLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $7 | — | $7 | 0.05% |
| JOSEPH L LEDOUX | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $1 | — | $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 | 120 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 109 | $511K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 109 | $511K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 109 | $511K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 120 | $55K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 120 | $55K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 120 | $55K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 109 | $511K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 120 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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."
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.