| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS INC3 Filed as: BENEFITS INC. | PO BOX 568 DICKSON, TN 37056 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 0.85% |
| BENEFITS INC3 Filed as: BENEFITS INC. | PO BOX 568 DICKSON, TN 37056 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 12.25% |
| BENEFITS INC | 110 MATHIS DR STE 106 DICKSON, TN 37056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.46% |
| CLIFFORD G HALL | 319 COUNCIL BLUFF PKWY MURFREESBORO, TN 37127 | AFLAC | $476 | — | $476 | 4.27% |
| LUKE COPELAND | 519 WELLS RD MERIDIANVILLE, AL 35759 | AFLAC | $252 | — | $252 | 2.26% |
| JACK B TURNER Filed as: JACK B TURNER AND ASSOCIATES INC | PO BOX 627 CLARKSVILLE, TN 37041 | AFLAC | $122 | — | $122 | 1.10% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES, INC. | 736 MARKET ST STE 1000 CHATTANOOGA, TN 37402 | AFLAC | $109 | — | $109 | 0.98% |
| AUSTIN RADER | 525 W OAKLAND AVE STE 7 JOHNSON CITY, TN 37604 | AFLAC | $98 | — | $98 | 0.88% |
| ERIN PEDERSON Filed as: ERIN M KRAGENBRINK | 8405 VININGS WAY KNOXVILLE, TN 37919 | AFLAC | $74 | — | $74 | 0.66% |
| JORDAN S SMITH | 240 WILSON PIKE CIR STE 200 BRENTWOOD, TN 37027 | AFLAC | $72 | — | $72 | 0.65% |
| STEPHEN E RANDALL | 614 WESTCHESTER DR CROSSVILLE, TN 38558 | AFLAC | $34 | — | $34 | 0.31% |
| MATTHEW D BUTLER | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $31 | — | $31 | 0.28% |
| DAVID M CRUMLEY | 132 SEDONA WOODS TRL NOLENSVILLE, TN 37135 | AFLAC | $31 | — | $31 | 0.28% |
| CHARLES HARTHUN Filed as: CHARLES BRYAN HARTHUN | 419 TYLER TRL JAMESTOWN, TN 38556 | AFLAC | $24 | — | $24 | 0.22% |
| ALAN W MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $19 | — | $19 | 0.17% |
| VBTN, INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $17 | — | $17 | 0.15% |
| SHERRI L BASHORE | 6949 CHARLOTTE PIKE STE 105 NASHVILLE, TN 37209 | AFLAC | $15 | — | $15 | 0.13% |
| JAY S OLEARY | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $14 | — | $14 | 0.13% |
| BRENT L GOODE | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $7 | — | $7 | 0.06% |
| JOANNA G MATHERLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $6 | — | $6 | 0.05% |
| DAVID M CRUMLEY | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $6 | — | $6 | 0.05% |
| JOSEPH L LEDOUX | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $2 | — | $2 | 0.02% |
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 | 112 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 94 | $340K |
| Dental | AETNA LIFE INSURANCE COMPANY | 94 | $340K |
| Vision | AETNA LIFE INSURANCE COMPANY | 94 | $340K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 112 | $58K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 112 | $58K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 112 | $58K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 112 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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."
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.