| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUGLAS DANO3 | 100 N MAIN ST STE N GOODLETTSVILLE, TN 37072 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $17K | — | $17K | 2.76% |
| DAVID S BIVINS3 Filed as: DAVID BIVINS | P.O. BOX 309 HENDERSONVILLE, TN 37077 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $17K | — | $17K | 2.66% |
| WALTER SCOTT MANNING3 | 421 CHELSEY COVE FRANKLIN, TN 37064 | AFLAC | $2K | $8 | $2K | 6.56% |
| DAVID S BIVINS3 Filed as: DAVID BIVINS | 315 W MAIN ST STE 204 HENDERSONVILLE, TN 37075 | AFLAC | $1K | $4 | $1K | 3.96% |
| COMPENSATION & BENEFIT CONSULTANTS3 | 100 N MAIN ST STE N GOODLETTSVILLE, TN 37072 | AFLAC | $971 | — | $971 | 3.77% |
| JAMES C FARMER JR3 | 641 OLD HICKORY BLVD UNIT 60 BRENTWOOD, TN 37027 | AFLAC | $571 | $2 | $573 | 2.22% |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET ROAD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $457 | $2 | $459 | 1.78% |
| MATT STEINHAUER III3 | 100 YORKSHIRE CT HENDERSONVILLE, TN 37075 | AFLAC | $241 | — | $241 | 0.93% |
| BRETT J HILTON3 | 7263 W 13100 S HERRIMAN, UT 84096 | AFLAC | $62 | — | $62 | 0.24% |
| HERSCHEL WAYNE HOLT3 | 221 SPY GLASS WAY HENDERSONVILLE, TN 37075 | AFLAC | $48 | — | $48 | 0.19% |
| ROBERT L GOBLE3 | 1410 4TH STREET DR NW UNIT 208 HICKORY, NC 28601 | AFLAC | $46 | — | $46 | 0.18% |
| NORMAN LANE3 | 6425 CURRYWOOD DR NASHVILLE, TN 37205 | AFLAC | $37 | — | $37 | 0.14% |
| ALAN W FOSTER3 | 716 FRENCH RIVER ROAD NOLENSVILLE, TN 37135 | AFLAC | $25 | — | $25 | 0.10% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $21 | — | $21 | 0.08% |
| DENISE P EARLYWINE3 | 2234 FRANKLINE PIKE LEWISBURG, TN 37091 | AFLAC | $12 | — | $12 | 0.05% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $10 | — | $10 | 0.04% |
| MARVIN LEE WILKERSON3 | 884 HOLLY TREE GAP ROAD BRENTWOOD, TN 37027 | AFLAC | $9 | — | $9 | 0.03% |
| KANDI M MCINTYRE3 | 2000 MALLORY LANE SUITE 130-378 FRANKLIN, TN 37067 | AFLAC | $6 | — | $6 | 0.02% |
| JOSHUA LEE JONES3 | 1307 CAMPANIA NEW BRAUNFELS, TX 78132 | AFLAC | $4 | — | $4 | 0.02% |
| PAMELA W EZZELL3 | 4066 HIGHLAND RIDGE ROAD BIRMINGHAM, AL 35242 | AFLAC | $4 | — | $4 | 0.02% |
| VBTN, INC3 Filed as: VBTN, INC. | 2000 GLEN ECHO ROAD STE 204 NASHVILLE, TN 37215 | AFLAC | $2 | — | $2 | 0.01% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD STE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 0.00% |
| JAY S OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $1 | — | $1 | 0.00% |
| DAWN A CHRISTENSEN3 | 24516 APPLE ST NEWHALL, CA 91321 | AFLAC | $1 | — | $1 | 0.00% |
| KEITH R MOORE3 Filed as: KEITH MOORE | 135 WALNUT CREEK RD CORDOVA, TN 38018 | AFLAC | $1 | — | $1 | 0.00% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $1 | — | $1 | 0.00% |
| JOANNA G MATHERLY3 Filed as: JOANNA G MATHERYLY | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 0.00% |
| AMY B CITRON3 | 1024 GRANADA AVE NASHVILLE, TN 37206 | AFLAC | $1 | — | $1 | 0.00% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $0 | — | $0 | 0.00% |
| CARLA T WITHERINGTON3 | 1405 HERRING DR COVINGTON, TN 38019 | AFLAC | $0 | — | $0 | 0.00% |
| ROGER MURRAY JOHNSON3 | 1926 TURNING WHEEL LN FRANKLIN, TN 37067 | AFLAC | $0 | — | $0 | 0.00% |
| WALTER SCOTT MANNING3 Filed as: WALTER S MANNING | 421 CHELSEY COVE FRANKLIN, TN 37064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $803 | — | $803 | 4.27% |
| COMPENSATION & BENEFIT CONSULTANTS3 | 521 CHICKASAW TRL GOODLETTSVILLE, TN 37072 | CONTINENTAL AMERICAN INSURANCE COMPANY | $401 | — | $401 | 2.13% |
| KELSEY DAVID EVERT3 Filed as: KELSEY D EVERT | 2055 N MOUNT JULIET ROAD STE 201 MOUNT JULIET, TN 37122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $244 | — | $244 | 1.30% |
| JAMES C FARMER JR3 | 641 OLD HICKORY BLVD UNIT 60 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $146 | — | $146 | 0.78% |
| DAVID S BIVINS3 | P.O. BOX 309 HENDERSONVILLE, TN 370770309 | PRINCIPAL LIFE INSURANCE COMPANY | $786 | — | $786 | 9.99% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 114 | $625K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 81 | $8K |
| Other | AFLAC | 52 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.