| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS DANO3 Filed as: DOUGLAS R DANO | 100 N MAIN ST STE N GOODLETTSVILLE, TN 37072 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $19K | — | $19K | 3.14% |
| DAVID S BIVINS3 | P.O. BOX 309 HENDERSONVILLE, TN 37077 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $18K | — | $18K | 2.96% |
| WALTER SCOTT MANNING3 | 421 CHELSEY COVE FRANKLIN, TN 37064 | AFLAC | $640 | $82 | $722 | 3.78% |
| DAVID S BIVINS3 Filed as: DAVID BIVINS | 315 W MAIN ST STE 204 HENDERSONVILLE, TN 37075 | AFLAC | $479 | $35 | $514 | 2.69% |
| COMPENSATION & BENEFIT CONSULTANTS3 | 100 N MAIN ST STE N GOODLETTSVILLE, TN 37072 | AFLAC | $348 | — | $348 | 1.82% |
| MATT STEINHAUER III3 | 100 YORKSHIRE CT HENDRESONVILLE, TN 37075 | AFLAC | $299 | — | $299 | 1.57% |
| NOLAN DOYLE MCCUE3 | 541 N MOUNT JULIET RD STE 2201A MOUNT JULIET, TN 37122 | AFLAC | $102 | $23 | $125 | 0.66% |
| KELSEY DAVID EVERT3 | 541 N MOUNT JULIET RD STE 2201 A MOUNT JULIET, TN 37122 | AFLAC | $61 | $23 | $84 | 0.44% |
| BRETT J HILTON3 | 7263 W 13100 S HERRIMAN, UT 84096 | AFLAC | $76 | — | $76 | 0.40% |
| HERSCHEL WAYNE HOLT3 | 221 SPY GLASS WAY HENDERSONVILLE, TN 37075 | AFLAC | $76 | — | $76 | 0.40% |
| ROBERT L GOBLE3 | 6008 NC HWY 16S TAYLORSVILLE, NC 28681 | AFLAC | $72 | — | $72 | 0.38% |
| ALAN W FOSTER3 | 8696 RAMBLING ROSE DR OOLTEWAH, TN 37363 | AFLAC | $51 | — | $51 | 0.27% |
| VBTN, INC3 Filed as: VBTN, INC. | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $22 | $23 | $45 | 0.24% |
| MARK MARQUEZ3 Filed as: MARK A MARQUEZ | 30213 N 54TH PL CAVE CREEK, AZ 85331 | AFLAC | $23 | — | $23 | 0.12% |
| JOSHUA LEE JONES3 | 18032 DEERCLIFF CT GLENCOE, MO 63038 | AFLAC | $22 | — | $22 | 0.12% |
| DENISE P EARLYWINE3 | 2234 FRANKLIN PIKE LEWISBURG, TN 37091 | AFLAC | $17 | — | $17 | 0.09% |
| MARVIN LEE WILKERSON3 | 884 HOLLY TREE GAP RD BRENTWOOD, TN 37027 | AFLAC | $13 | — | $13 | 0.07% |
| KANDI M MCINTYRE3 | 2000 MALLORY LANE SUITE 130-378 FRANKLIN, TN 37067 | AFLAC | $12 | — | $12 | 0.06% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $11 | — | $11 | 0.06% |
| LARA K GRANDE3 | 1022 WESTHAVEN BLVD FRANKLIN, TN 37064 | AFLAC | $7 | — | $7 | 0.04% |
| AMY B CITRON3 | 1024 GRANADA AVE NASHVILLE, TN 37206 | AFLAC | $3 | — | $3 | 0.02% |
| THE TILLOTSON GROUP LTD3 | 5000 MASTERS LANE COLUMBUS, GA 31909 | AFLAC | $2 | — | $2 | 0.01% |
| JOHN E CARTER III3 | 313 TROOP DR FORTSON, GA 31808 | AFLAC | $1 | — | $1 | 0.01% |
| DAVID S BIVINS3 | P.O. BOX 309 HENDERSONVILLE, TN 370770309 | PRINCIPAL LIFE INSURANCE COMPANY | $818 | — | $818 | 10.00% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 139 | $619K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 106 | $8K |
| Other | AFLAC | 33 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.