| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THW INSURANCE SERVICES LLC3 | 321 WEST MAIN STREET LEBANON, TN 37087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19 | $256K | $256K | 7.58% |
| THW INSURANCE SERVICES LLC3 | 321 WEST MAIN STREET LEBANON, TN 37087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $85K | — | $85K | 11.21% |
| THW INSURANCE SERVICES LLC3 | 321 WEST MAIN STREET LEBANON, TN 37087 | AFLAC | $6K | — | $6K | 2.78% |
| TIMOTHY CHAPPELL3 | 522 ROCK SPRINGS RD WATERTOWN, TN 37184 | AFLAC | $5K | $80 | $6K | 2.64% |
| WILSON BANK & TRUST1 | 623 WEST MAIN STREET LEBANON, TN 37087 | AFLAC | $4K | — | $4K | 2.08% |
| MICHAEL BACKHOFF3 | 1831 12TH AVE S STE 117 NASHVILLE, TN 37203 | AFLAC | $4K | $158 | $4K | 1.80% |
| THOMAS M WILLIAMSON3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $1K | $49 | $1K | 0.60% |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $1K | — | $1K | 0.59% |
| CROCKETT HARRISON GOODALL3 | 8152 TROUSDALE FERRY PIKE LEBANON, TN 37090 | AFLAC | $1K | $67 | $1K | 0.54% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $989 | — | $989 | 0.47% |
| ETHAN GREER3 | 538 CLINGMANS LN CHATTANOOGA, TN 37419 | AFLAC | $913 | — | $913 | 0.44% |
| JAMES C FARMER JR3 | 261 CRIMSON SKY CT DRIPPING SPRINGS, TX 78620 | AFLAC | $689 | — | $689 | 0.33% |
| BROWNIE D HALL3 | 321 W MAIN ST LEBANON, TN 37087 | AFLAC | $564 | — | $564 | 0.27% |
| BILLY B COTTEN3 | 125 BLAIR LN LEBANON, TN 37087 | AFLAC | $542 | — | $542 | 0.26% |
| DANIEL MCCHURCH3 | 419 BLAIR LN LEBANON, TN 37087 | AFLAC | $538 | — | $538 | 0.26% |
| BROWNIE D HALL3 | 2225 LEEVILLE PIKE LEBANON, TN 37090 | AFLAC | $361 | — | $361 | 0.17% |
| JENNY LYNN LASATER3 | PO BOX 2413 LEBANON, TN 37088 | AFLAC | $303 | — | $303 | 0.15% |
| RICK R THORNE3 | 321 W MAIN ST LEBANON, TN 37087 | AFLAC | $201 | — | $201 | 0.10% |
| GARY W LOVELL3 | PO BOX 90866 NASHVILLE, TN 37209 | AFLAC | $199 | — | $199 | 0.10% |
| RACHAEL A BENNETT3 | 184 LEBANON HWY CARTHAGE, TN 37030 | AFLAC | $171 | — | $171 | 0.08% |
| EVERETT C BICKEL3 | 10447 SW 62ND CT OCALA, FL 34476 | AFLAC | $160 | — | $160 | 0.08% |
| RICHARD R WHITENER3 | 300 BARTON FERRY CT LEBANON, TN 37087 | AFLAC | $154 | — | $154 | 0.07% |
| CARL BUTLER RAGLAND JR3 | 1705 HOLLOW OAK DR LEBANON, TN 37087 | AFLAC | $119 | — | $119 | 0.06% |
| MIKE N SEWELL3 | 301 CLAYMORE DR HAMILTON, GA 31811 | AFLAC | $113 | — | $113 | 0.05% |
| JUSTYN C MELENDEZ3 | 131 12TH AVE N APT 120 NASHVILLE, TN 37203 | AFLAC | $105 | — | $105 | 0.05% |
| RONALD H RICHEY3 | 4499 MURFREESBORO RD FRANKLIN, TN 37067 | AFLAC | $100 | — | $100 | 0.05% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $92 | — | $92 | 0.04% |
| JOHN H SEWELL3 Filed as: JOHN M TAYLOR | 2025 PREAKNESS PL LEBANON, TN 37087 | AFLAC | $82 | — | $82 | 0.04% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $81 | — | $81 | 0.04% |
| RONALD A DASHKOVITZ3 | 20 MILLPOND TRL SAGINAW, MI 48603 | AFLAC | $73 | — | $73 | 0.03% |
| JOSEPH FENNELL3 Filed as: JOSEPH HOUST ROBERTS | 2449 W CLAY DR LEBANON, TN 37087 | AFLAC | $69 | — | $69 | 0.03% |
| MISTY KUHNS3 | 3730 BURDETTE WAY MURFREESBORO, TN 37128 | AFLAC | $60 | — | $60 | 0.03% |
| JAY S OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $48 | — | $48 | 0.02% |
| VBTN, INC3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $44 | — | $44 | 0.02% |
| JAMES R SMITH INSURANCE LTD3 Filed as: JAMES KING | 45 WILLOW BEND CT CLAYTON, NC 27527 | AFLAC | $44 | — | $44 | 0.02% |
| DANIEL J RIVERA3 | 803 DIVISION ST APT 707 NASHVILLE, TN 37203 | AFLAC | $42 | — | $42 | 0.02% |
| RAYMOND L MELVIN3 | 1553 NAVIGATOR CIR DACULA, GA 30019 | AFLAC | $41 | — | $41 | 0.02% |
| LARA K GRANDE3 | 117 MORNING MIST LN FRANKLIN, TN 37064 | AFLAC | $40 | — | $40 | 0.02% |
| JAMES E WOOD3 | 123 SPRINGFIELD DR LEBANON, TN 37087 | AFLAC | $34 | — | $34 | 0.02% |
| ALAN W FOSTER3 | 716 FRENCH RIVER RD NOLENSVILLE, TN 37135 | AFLAC | $31 | — | $31 | 0.01% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $30 | — | $30 | 0.01% |
| KANDI H HECKLER3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $25 | — | $25 | 0.01% |
| JEREMY J SABO3 | 188 CORVINA DR CLAYTON, NC 27520 | AFLAC | $24 | — | $24 | 0.01% |
| DAVID B RAY3 | 5122 STONEWOOD DR SMYRNA, TN 37167 | AFLAC | $23 | — | $23 | 0.01% |
| WILLIAM A BRIGGS3 | 1731 GAY THOMPSON RD RAMER, TN 38367 | AFLAC | $21 | — | $21 | 0.01% |
| LARRY ALAN GORDON3 | 242 WATERVIEW DR HENDERSONVILLE, TN 37075 | AFLAC | $16 | — | $16 | 0.01% |
| CHAMCO LLC3 | 8 NIGHTWIND CT COLUMBUS, GA 31909 | AFLAC | $15 | — | $15 | 0.01% |
| TROY M POOLE3 | 3216 MILKWEED DR MURFREESBORO, TN 37128 | AFLAC | $13 | — | $13 | 0.01% |
| MARIAN E HENDERSON3 | 102 SAVANNAH WAY HENDERSONVILLE, TN 37075 | AFLAC | $12 | — | $12 | 0.01% |
| ALAN W MARTIN3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $11 | — | $11 | 0.01% |
| LEWIS GALE3 | 276 W MILLBROOK RD RALEIGH, NC 27609 | AFLAC | $11 | — | $11 | 0.01% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $9 | — | $9 | 0.00% |
| JOANNA G MATHERLY3 | 4581 MAJESTIC MEADOWS DR ARRINGTON, TN 37014 | AFLAC | $9 | — | $9 | 0.00% |
| KATHY B MOBLEY3 | PO BOX 50 HOWARD, GA 31039 | AFLAC | $8 | — | $8 | 0.00% |
| JOHN E CARTER III3 | 1050 MOUNTAIN VIEW WAY PINE MOUNTAIN, GA 31822 | AFLAC | $4 | — | $4 | 0.00% |
| WAYNE E BURTON3 | 1030 S MAPLE AVE # 206 COOKEVILLE, TN 38501 | AFLAC | $2 | — | $2 | 0.00% |
| GARRETT A ROLL3 | 301 MAPLE RIDGE ST BOWLING GREEN, KY 42101 | AFLAC | $2 | — | $2 | 0.00% |
| LATONYA WYNNE3 | 219 AUTUMN GLEN DR MURFREESBORO, TN 37129 | AFLAC | $2 | — | $2 | 0.00% |
| MATT STEINHAUER III3 | 100 YORKSHIRE CT HENDERSONVILLE, TN 37075 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIAM L AMOS & CO INC3 | 7100 STILLWATER DR COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| AUTUMN BETHEA3 | 1124 GOLF VIEW WAY SPRING HILL, TN 37174 | AFLAC | $1 | — | $1 | 0.00% |
| BRIAN E HICKS3 | 2739 AMERICUS DR THOMPSONS STATION, TN 37179 | AFLAC | $1 | — | $1 | 0.00% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 4640 S STEWART AVE SPRINGFIELD, MO 65804 | AFLAC | $1 | — | $1 | 0.00% |
| THW INSURANCE SERVICES LLC3 | 321 WEST MAIN STREET LEBANON, TN 37087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $658 | — | $658 | 2.42% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $593 | — | $593 | 2.18% |
| KELSEY DAVID EVERT3 | 630 ROCK SPRINGS RD WATERTOWN, TN 37184 | CONTINENTAL AMERICAN INSURANCE COMPANY | $305 | — | $305 | 1.12% |
| JAY S OLEARY3 Filed as: JAY SPENCER OLEARY | 1802 EAVES CT NOLENSVILLE, TN 37135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87 | — | $87 | 0.32% |
| BRENT L GOODE3 | 16282 ALLURA CIRCLE APT 1225 NAPLES, FL 34110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70 | — | $70 | 0.26% |
| ETHAN GREER3 | 558 CLINGSMAN LANE CHATTANOOGA, TN 37419 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | — | $61 | 0.22% |
| JOHN T JEWELL3 Filed as: JOHN THOMAS JEWELL | 2428 AULDRIDGE DRIVE CHRISTIANNA, TN 37037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.10% |
| JOSEPH L LEDOUX3 | 674 WATSON BRANCH DRIVE MURFREESBORO, TN 37129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| TIMOTHY CHAPPELL3 | 522 ROCK SPRINGS RD WATERTOWN, TN 37184 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH LIFE INSURANCE COMPANY EIN 59-1031071 ADMINISTRATOR | Contract Administrator Service code 13 | — | $265K |
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 | 596 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 623 | $3.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 623 | $3.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 623 | $3.4M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 843 | $756K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 843 | $756K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 843 | $756K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 843 | $992K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 843 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.