| 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 | $5K | $49K | $54K | 5.24% |
| DIGITAL INSURANCE LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $130 | $130 | 0.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $583 | $5K | 17.11% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $523 | $4K | 17.09% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $544 | $3K | 17.89% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $187 | $2K | 17.03% |
| MATTHEW B MORASKI3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $739 | — | $739 | 12.50% |
| MARIAN E HENDERSON3 | 102 SAVANNAH WAY HENDERSONVILLE, TN 37075 | AFLAC | $112 | — | $112 | 3.24% |
| KELSEY DAVID EVERT3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $58 | — | $58 | 1.68% |
| THOMAS M WILLIAMSON3 | 2055 NORTH MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $51 | — | $51 | 1.48% |
| DAVID KEVIN BOWEN3 | 1029 ELMSHADE LANE NASHVILLE, TN 37211 | AFLAC | $44 | — | $44 | 1.27% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | AFLAC | $39 | — | $39 | 1.13% |
| DAVID M CRUMLEY3 | 132 SEDONA WOODS TRAIL NOLENSVILLE, TN 37135 | AFLAC | $33 | — | $33 | 0.96% |
| MILTON E WUERTZ3 | 467 CUBA HOLLOW LANE WAVERLY, TN 37185 | AFLAC | $18 | — | $18 | 0.52% |
| JAMIE M HUTTON3 | 1893 HIGHWAY 25 GALLATIN, TN 37066 | AFLAC | $14 | — | $14 | 0.41% |
| DOC N REESE3 | 702 NORTHVIEW CIRCLE LEBANON, TN 37087 | AFLAC | $5 | — | $5 | 0.14% |
| JAMES C FARMER JR3 | 261 CRIMSON SKY COURT DRIPPING SPRINGS, TX 78620 | AFLAC | $4 | — | $4 | 0.12% |
| DONALD B BOWEN3 | 6513 BANBURY CROSSING BRENTWOOD, TN 37027 | AFLAC | $3 | — | $3 | 0.09% |
| VBTN, INC3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $2 | — | $2 | 0.06% |
| ANASTASIA MODLIN3 Filed as: ANASTASIA ELAINE MODLIN | 312 FOUNTAIN HEAD ROAD PORTLAND, TN 37148 | AFLAC | $2 | — | $2 | 0.06% |
| JOSHUA LEE JONES3 | 1087 VIA PRINCIPALE NEW BRAUNFELS, TX 78132 | AFLAC | $1 | — | $1 | 0.03% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $1 | — | $1 | 0.03% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 0.03% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | SYMETRA LIFE INSURANCE COMPANY | $40 | — | $40 | 14.87% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $6 | — | $6 | 2.23% |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 33 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 140 | $1.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 140 | $1.0M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 113 | $6K |
| Life insurance(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 225 | $32K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $31K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 225 | $25K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 225 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.