| 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 | 2.74% |
| DAVID S BIVINS3 Filed as: DAVID BIVINS | P.O. BOX 309 HENDERSONVILLE, TN 37077 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $16K | — | $16K | 2.56% |
| ROGERS BENEFIT GROUP INC3 Filed as: DOUGLAS ROGERS | 100 N MAIN STREET SUITE N GOODLETTSVILLE, TN 37072 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $1K | — | $1K | 0.18% |
| WALTER SCOTT MANNING3 | 421 CHELSEY COVE FRANKLIN, TN 37064 | AFLAC | $3K | $167 | $3K | 7.26% |
| DAVID S BIVINS3 Filed as: DAVID BIVINS | P.O. BOX 309 HENDERSONVILLE, TN 37077 | AFLAC | $2K | $64 | $2K | 4.31% |
| COMPENSATION & BENEFIT CONSULTANTS3 | 100 N MAIN ST STE N GOODLETTSVILLE, TN 37072 | AFLAC | $2K | — | $2K | 4.02% |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $510 | $42 | $552 | 1.48% |
| JAMES C FARMER JR3 | 641 OLD HICKORY BLVD UNIT 60 BRENTWOOD, TN 37027 | AFLAC | $398 | $36 | $434 | 1.16% |
| MATT STEINHAUER III3 | 100 YORKSHIRE CT HENDERSONVILLE, TN 37075 | AFLAC | $283 | — | $283 | 0.76% |
| ALAN W FOSTER3 | 716 FRENCH RIVER RD NOLENSVILLE, TN 37135 | AFLAC | $275 | — | $275 | 0.74% |
| MITCHELL MCCHURCH3 | 1320 NORTHLYNN DR LEBANON, TN 37087 | AFLAC | $199 | — | $199 | 0.53% |
| THOMAS M WILLIAMSON3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $174 | — | $174 | 0.47% |
| BRETT J HILTON3 | 7263 W 13100 S HERRIMAN, UT 84096 | AFLAC | $72 | — | $72 | 0.19% |
| NORMAN LANE3 | 6425 CURRYWOOD DR NASHVILLE, TN 37205 | AFLAC | $52 | $7 | $59 | 0.16% |
| HERSCHEL WAYNE HOLT3 | 221 SPY GLASS WAY HENDERSONVILLE, TN 37075 | AFLAC | $56 | — | $56 | 0.15% |
| ROBERT L GOBLE3 | 1410 4TH STREET DR NW UNITE 208 HICKORY, NC 28601 | AFLAC | $31 | — | $31 | 0.08% |
| ROBERT L GOBLE3 | 250 24TH AVENUE NORTHEAST HICKORY, NC 28601 | AFLAC | $22 | — | $22 | 0.06% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DR STE 108 MURFREESBORO, TN 37129 | AFLAC | $20 | — | $20 | 0.05% |
| DENISE P EARLYWINE3 | 2234 FRANKLIN PIKE LEWISBURG, TN 37091 | AFLAC | $14 | — | $14 | 0.04% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $11 | — | $11 | 0.03% |
| KANDI M MCINTYRE3 | 2000 MALLORY LN STE 130-378 FRANKLIN, TN 37067 | AFLAC | $7 | — | $7 | 0.02% |
| PAMELA W EZZELL3 | 2947 CHERRYBARK CT HERMITAGE, TN 37076 | AFLAC | $5 | — | $5 | 0.01% |
| VBTN, INC3 Filed as: VBTN, INC. | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 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% |
| WALTER SCOTT MANNING3 Filed as: WALTER S MANNING | 421 CHELSEY COVE FRANKLIN, TN 37064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $460 | — | $460 | 4.10% |
| COMPENSATION & BENEFIT CONSULTANTS3 | 1064 GADWELL CIRCLE HENDERSONVILLE, TN 37075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $218 | — | $218 | 1.94% |
| KELSEY DAVID EVERT3 Filed as: KELSEY D EVERT | 2055 N MOUNT JULIET ROAD STE 201 MOUNT JULIET, TN 37122 | CONTINENTAL AMERICAN INSURANCE COMPANY | $156 | — | $156 | 1.39% |
| JAMES C FARMER JR3 | 641 OLD HICKORY BLVD UNIT 60 BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $95 | — | $95 | 0.85% |
| DAVID S BIVINS3 | P.O. BOX 309 HENDERSONVILLE, TN 370770309 | PRINCIPAL LIFE INSURANCE COMPANY | $680 | — | $680 | 9.24% |
| INSURANCE BENEFITS ASSOCIATES INC.3 | 348 COOL SPRINGS BLVD STE A FRANKLIN, TN 370671631 | PRINCIPAL LIFE INSURANCE COMPANY | $55 | — | $55 | 0.75% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 107 | $613K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 90 | $7K |
| Other(2 contracts, 2 carriers) | AFLAC | 65 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.