| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID S BIVINS3 Filed as: DAVID BIVINS | P.O. BOX 309 HENDERSONVILLE, TN 37077 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $17K | — | $17K | 2.86% |
| DOUGLAS DANO3 | 100 N MAIN ST STE N GOODLETTSVILLE, TN 37072 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $17K | — | $17K | 2.77% |
| WALTER SCOTT MANNING3 | 421 CHELSEY COVE FRANKLIN, TN 37064 | AFLAC | $522 | — | $522 | 3.62% |
| DAVID S BIVINS3 Filed as: DAVID BIVINS | 315 W MAIN ST STE 204 HENDERSONVILLE, TN 37075 | AFLAC | $324 | — | $324 | 2.25% |
| MATT STEINHAUER III3 | 100 YORKSHIRE CT HENDERSONVILLE, TN 37075 | AFLAC | $283 | — | $283 | 1.96% |
| COMPENSATION & BENEFIT CONSULTANTS3 | 100 N MAIN ST STE N GOODLETTSVILLE, TN 37072 | AFLAC | $219 | — | $219 | 1.52% |
| BRETT J HILTON3 | 7263 W 13100S HERRIMAN, UT 84096 | AFLAC | $72 | — | $72 | 0.50% |
| HERSCHEL WAYNE HOLT3 | 221 SPY GLASS WAY HENDERSONVILLE, TN 37075 | AFLAC | $64 | — | $64 | 0.44% |
| ROBERT L GOBLE3 | 1410 4TH STREET DR NW UNIT 208 HICKORY, NC 28601 | AFLAC | $63 | — | $63 | 0.44% |
| NOLAN DOYLE MCCUE3 | 541 N MOUNT JULIET RD STE 2201A MOUNT JULIET, TN 37122 | AFLAC | $40 | — | $40 | 0.28% |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET ROAD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $30 | — | $30 | 0.21% |
| ALAN W FOSTER3 Filed as: ALAN FOSTER | 8696 RAMBLING ROSE DR OOLTEWAH, TN 37363 | AFLAC | $28 | — | $28 | 0.19% |
| JAMES C FARMER JR3 | 641 OLD HICKORY BLVD UNIT 60 BRENTWOOD, TN 37027 | AFLAC | $15 | — | $15 | 0.10% |
| DENISE P EARLYWINE3 | 2234 FRANKLIN PIKE LEWISBURG, TN 37091 | AFLAC | $15 | — | $15 | 0.10% |
| ALAN W FOSTER3 | 716 FRENCH RIVER ROAD NOLENSVILLE, TN 37135 | AFLAC | $14 | — | $14 | 0.10% |
| MARVIN LEE WILKERSON3 | 884 HOLLY TREE GAP RD BRENTWOOD, TN 37027 | AFLAC | $13 | — | $13 | 0.09% |
| KANDI M MCINTYRE3 | 2000 MALLORY LANE SUITE 130-378 FRANKLIN, TN 37067 | AFLAC | $11 | — | $11 | 0.08% |
| JOSHUA LEE JONES3 | 18032 DEERCLIFF CT GLENCOE, MO 63038 | AFLAC | $7 | — | $7 | 0.05% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $3 | — | $3 | 0.02% |
| VBTN, INC3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $3 | — | $3 | 0.02% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $3 | — | $3 | 0.02% |
| PAMELA W EZZELL3 | 4066 HIGHLAND RIDGE RD BIRMINGHAM, AL 35242 | AFLAC | $1 | — | $1 | 0.01% |
| MARK MARQUEZ3 Filed as: MARK A MARQUEZ | 30213 N 54TH PL CAVE CREEK, AZ 85331 | AFLAC | $1 | — | $1 | 0.01% |
| AMY B CITRON3 | 1024 GRANADA AVE NASHVILLE, TN 37206 | AFLAC | $1 | — | $1 | 0.01% |
| JAY S OLEARY3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $0 | — | $0 | 0.00% |
| DAWN A CHRISTENSEN3 | 24516 APPLE ST NEWHALL, CA 91321 | AFLAC | $0 | — | $0 | 0.00% |
| KEITH R MOORE3 | 135 WALNUT CREEK RD CORDOVA, TN 38018 | AFLAC | $0 | — | $0 | 0.00% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $0 | — | $0 | 0.00% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $0 | — | $0 | 0.00% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $0 | — | $0 | 0.00% |
| ROGER MURRAY JOHNSON3 | 1311 DECATUR CIR FRANKLIN, TN 37067 | AFLAC | $0 | — | $0 | 0.00% |
| CARLA T WITHERINGTON3 | 1405 HERRING DR COVINGTON, TN 38019 | AFLAC | $0 | — | $0 | 0.00% |
| DAVID S BIVINS3 | P.O. BOX 309 HENDERSONVILLE, TN 370770309 | PRINCIPAL LIFE INSURANCE COMPANY | $763 | — | $763 | 10.01% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 117 | $598K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 97 | $8K |
| Other | AFLAC | 44 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.