| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $22K | $25K | 5.31% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | SYMETRA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $349 | — | $349 | 2.25% |
| MARIAN E HENDERSON3 | 102 SAVANNAH WAY HENDERSONVILLE, TN 37075 | AFLAC | $211 | — | $211 | 1.80% |
| KELSEY DAVID EVERT3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $193 | — | $193 | 1.65% |
| JAIME HUTTON3 Filed as: JAIME M HUTTON | 1893 HIGHWAY 25 GALLATIN, TN 37066 | AFLAC | $126 | $9 | $135 | 1.15% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | AFLAC | $129 | — | $129 | 1.10% |
| THOMAS M WILLIAMSON3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $115 | — | $115 | 0.98% |
| DAVID KEVIN BOWEN3 | 1029 ELMSHADE LANE NASHVILLE, TN 37211 | AFLAC | $79 | — | $79 | 0.68% |
| DAVID M CRUMLEY3 | 5111 MARYLAND WAY SUITE 210 BRENTWOOD, TN 37027 | AFLAC | $76 | — | $76 | 0.65% |
| JAMES C FARMER JR3 | 641 OLD HICKORY BOULEVARD UNIT 60 BRENTWOOD, TN 37027 | AFLAC | $61 | $3 | $64 | 0.55% |
| LUKE COPELAND3 | 519 WELLS ROAD MERIDIANVILLE, AL 35759 | AFLAC | $62 | — | $62 | 0.53% |
| ANASTASIA MODLIN3 Filed as: ANASTASIA ELAINE MODLIN | 312 FOUNTAIN HEAD ROAD PORTLAND, TN 37148 | AFLAC | $27 | $6 | $33 | 0.28% |
| MILTON E WUERTZ3 | 1017 BELMONT DRIVE DICKSON, TN 37055 | AFLAC | $19 | — | $19 | 0.16% |
| JOSHUA LEE JONES3 | 1087 VIA PRINCIPALE NEW BRAUNFELS, TX 78132 | AFLAC | $16 | — | $16 | 0.14% |
| JAMES E WOOD3 | 123 SPRINGFIELD DRIVE LEBANON, TN 37087 | AFLAC | $15 | — | $15 | 0.13% |
| VBTN, INC3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $10 | — | $10 | 0.09% |
| H BRIAN GIBSON3 | 8075 SAWYER BROWN ROAD APARTMENT 208 NASHVILLE, TN 37221 | AFLAC | $7 | $3 | $10 | 0.09% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $9 | — | $9 | 0.08% |
| DOC N REESE3 | 830 CASTLE HEIGHTS AVENUE LEBANON, TN 37087 | AFLAC | $7 | — | $7 | 0.06% |
| JAY S OLEARY3 | 1802 EAVES COURT NOLENSVILLE, TN 37135 | AFLAC | $4 | — | $4 | 0.03% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVENUE NASHVILLE, TN 37206 | AFLAC | $4 | — | $4 | 0.03% |
| DONALD B BOWEN3 | 6513 BANBURY CROSSING BRENTWOOD, TN 37027 | AFLAC | $3 | — | $3 | 0.03% |
| JENNY LYNN LASATER3 | PO BOX 2413 LEBANON, TN 37088 | AFLAC | $2 | — | $2 | 0.02% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DRIVE SUITE 108 MURFREESBORO, TN 37129 | AFLAC | $2 | — | $2 | 0.02% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $1 | — | $1 | 0.01% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 0.01% |
| GARY W LOVELL3 | PO BOX 90866 NASHVILLE, TN 37209 | AFLAC | $1 | — | $1 | 0.01% |
| ROBERT A LEVY3 | 1600 DIVISION STREET SUITE 420 NASHVILLE, TN 37203 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $3K | — | $3K | 97.44% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 72 | $478K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 72 | $478K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 97 | $3K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 114 | $27K |
| Short-term disability | AFLAC | 15 | $12K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 114 | $27K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.