| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW B MORASKI3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $31K | — | $31K | 4.33% |
| ROGERS BENEFIT GROUP INC3 Filed as: DOUGLAS ROGERS | 384 COOL SPRINGS BLVD SUITE A FRANKLIN, TN 37067 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $3K | — | $3K | 0.39% |
| WALTER SCOTT MANNING3 | 3000 ISLEWORTH DR APT 3101 FRANKLIN, TN 37064 | AFLAC | $3K | $231 | $3K | 5.08% |
| COMPENSATION & BENEFIT CONSULTANTS3 | 100 N MAIN ST STE N GOODLETTSVILLE, TN 37072 | AFLAC | $834 | — | $834 | 1.42% |
| THOMAS M WILLIAMSON3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $744 | $54 | $798 | 1.36% |
| DAVID S BIVINS3 Filed as: DAVID S BLIVINS | PO BOX 309 HENDERSONVILLE, TN 37077 | AFLAC | $506 | — | $506 | 0.86% |
| INSURANCE BENEFITS ASSOC INC3 | 348 COOL SPRINGS BLVD STE A FRANKLIN, TN 37067 | AFLAC | $320 | — | $320 | 0.55% |
| ALAN W FOSTER3 | 716 FRENCH RIVER RD NOLENSVILLE, TN 37135 | AFLAC | $305 | — | $305 | 0.52% |
| MATT STEINHAUER III3 | 100 YORKSHIRE CT HENDERSONVILLE, TN 37075 | AFLAC | $284 | — | $284 | 0.48% |
| STEVEN ANDREW MODLIN3 | 312 FOUNTAIN HEAD RD PORTLAND, TN 37148 | AFLAC | $270 | $4 | $274 | 0.47% |
| JAMES C FARMER JR3 | 261 CRIMSON SKY CT DRIPPING SPRINGS, TX 78620 | AFLAC | $174 | — | $174 | 0.30% |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $150 | — | $150 | 0.26% |
| BRETT J HILTON3 | 4892 W TOPCREST DR SOUTH JORDAN, UT 84009 | AFLAC | $71 | — | $71 | 0.12% |
| HERSCHEL WAYNE HOLT3 | 221 SPY GLASS WAY HENDERSONVILLE, TN 37075 | AFLAC | $51 | — | $51 | 0.09% |
| ROBERT L GOBLE3 | 250 34TH AVE NE HICKORY, NC 28601 | AFLAC | $47 | — | $47 | 0.08% |
| MITCHELL MCCHURCH3 | 419 BLAIR LN LEBANON, TN 37087 | AFLAC | $24 | — | $24 | 0.04% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $20 | — | $20 | 0.03% |
| DENISE P EARLYWINE3 | 2234 FRANKLIN PIKE LEWISBURG, TN 37091 | AFLAC | $13 | — | $13 | 0.02% |
| NORMAN LANE3 | 945 PLATEAU PKWY NASHVILLE, TN 37205 | AFLAC | $12 | — | $12 | 0.02% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $11 | — | $11 | 0.02% |
| KANDI M MCINTYRE3 | 8429 LORRAINE RD STE 385 LAKEWOOD RANCH, FL 34202 | AFLAC | $7 | — | $7 | 0.01% |
| PAMELA W EZZELL3 | 2947 CHERRYBARK CT HERMITAGE, TN 37076 | AFLAC | $5 | — | $5 | 0.01% |
| VBTN, INC3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $2 | — | $2 | 0.00% |
| JAY S OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $1 | — | $1 | 0.00% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $1 | — | $1 | 0.00% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 1600 DIVISION ST STE 220 NASHVILLE, TN 37203 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 10.03% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | STARMOUNT LIFE INSURANCE COMPANY | $775 | — | $775 | 5.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STARMOUNT LIFE INSURANCE COMPANY | — | $310 | $310 | 2.01% |
| DIGITAL INSURANCE LLC3 | 1600 DIVISION ST STE 220 NASHVILLE, TN 37203 | CONTINENTAL AMERICAN INSURANCE COMPANY | $137 | — | $137 | 3.12% |
| WALTER SCOTT MANNING3 Filed as: WALTER S MANNING | 421 CHELSEY COVE FRANKLIN, TN 37064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $137 | — | $137 | 3.12% |
| KELSEY DAVID EVERT3 Filed as: KELSEY D EVERT | 2055 N MOUNT JULIET ROAD STE 201 MOUNT JULIET, TN 37122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 1.16% |
| COMPENSATION & BENEFIT CONSULTANTS3 | 1064 GADWELL CIRCLE HENDERSONVILLE, TN 37075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.41% |
| JAMES C FARMER JR3 | 641 OLD HICKORY BLVD UNIT 60 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.36% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 1600 DIVISION ST STE 220 NASHVILLE, TN 37203 | STARMOUNT LIFE INSURANCE COMPANY | $203 | — | $203 | 12.01% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | STARMOUNT LIFE INSURANCE COMPANY | $90 | — | $90 | 5.33% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STARMOUNT LIFE INSURANCE COMPANY | — | $34 | $34 | 2.01% |
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 | 86 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 86 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 86 | $725K |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 86 | $740K |
| Vision(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 86 | $726K |
| Other(2 contracts, 2 carriers) | AFLAC | 55 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 86 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.