| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUSAN C RODRIGUEZ3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $17K | — | $17K | 6.41% |
| BENEFITS INC3 | PO BOX 568 DICKSON, TN 37056 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 11.57% |
| BENEFITS INC | 110 MATHIS DR STE 106 DICKSON, TN 37056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $952 | — | $952 | 11.54% |
| CLIFFORD G HALL | 319 COUNCIL BLUFF PKWY MURFREESBORO, TN 37127 | AFLAC | $337 | — | $337 | 4.86% |
| LUKE COPELAND | 519 WELLS RD MERIDIANVILLE, AL 35759 | AFLAC | $178 | — | $178 | 2.57% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES, INC | 736 MARKET ST STE 1000 CHATTANOOGA, TN 37402 | AFLAC | $82 | — | $82 | 1.18% |
| AUSTIN RADER | 525 W OAKLAND AVE STE 7 JOHNSON CITY, TN 37604 | AFLAC | $69 | — | $69 | 1.00% |
| ERIN PEDERSON Filed as: ERIN KRAGENBRINK | 8405 VININGS WAY KNOXVILLE, TN 37919 | AFLAC | $44 | — | $44 | 0.63% |
| STEPHEN E RANDALL | 614 WESTCHESTER DR CROSSVILLE, TN 38558 | AFLAC | $34 | — | $34 | 0.49% |
| MATTHEW D BUTLER | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $24 | — | $24 | 0.35% |
| CHARLES HARTHUN Filed as: CHARLES BRYAN HARTHUN | 419 TYLER TRL JAMESTOWN, TN 38556 | AFLAC | $24 | — | $24 | 0.35% |
| ALAN W MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $17 | — | $17 | 0.25% |
| VBTN, INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $12 | — | $12 | 0.17% |
| JAY S OLEARY | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $11 | — | $11 | 0.16% |
| JACK B TURNER Filed as: JACK B TURNER AND ASSICIATES INC | PO BOX 627 CLARKSVILLE, TN 37041 | AFLAC | $10 | — | $10 | 0.14% |
| BRENT L GOODE | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $7 | — | $7 | 0.10% |
| JORDAN S SMITH | 6669 ARNO ALLISONA RD COLLEGE GROVE, TN 37046 | AFLAC | $6 | — | $6 | 0.09% |
| JOANNA G MATHERLY | 4581 MAJESTIC MEADOWS DR ARRINGTON, TN 37014 | AFLAC | $5 | — | $5 | 0.07% |
| DAVID M CRUMLEY | 132 SEDONA WOODS TRL NOLENSVILLE, TN 37135 | AFLAC | $3 | — | $3 | 0.04% |
| SHERRI L BASHORE | 2699 FESSEY CT STE 100 NASHVILLE, TN 37204 | AFLAC | $1 | — | $1 | 0.01% |
| 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 | 66 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 66 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 66 | $259K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 66 | $259K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 66 | $259K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 67 | $48K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 67 | $48K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 67 | $48K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 67 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 67 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.