| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA ROBINETTE3 Filed as: LISA HELTON | 1100 MARION ST STE 200 KNOXVILLE, TN 37921 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $59K | — | $59K | 5.42% |
| SUSIE THORPE3 Filed as: SUSIE C. THORPE | PO BOX 31858 KNOXVILLE, TN 37930 | AFLAC | $4K | $22 | $4K | 7.95% |
| SUSIE THORPE3 Filed as: SUSIE C. THORPE | PO BOX 31858 KNOXVILLE, TN 37930 | AFLAC | $2K | $95 | $3K | 4.59% |
| CASEY A CURLEE3 Filed as: CASEY A. CURLEE | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $2K | $23 | $2K | 3.17% |
| MATTHEW D BUTLER3 Filed as: MATTHEW D. BUTLER | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $698 | $23 | $721 | 1.29% |
| NATHAN A THORPE3 Filed as: NATHAN A. THORPE | PO BOX 5811 KNOXVILLE, TN 37928 | AFLAC | $341 | — | $341 | 0.61% |
| ALAN W MARTIN3 Filed as: ALAN W. MARTIN | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $337 | — | $337 | 0.60% |
| DONALD L LARSON3 Filed as: DONALD L. LARSON | 1528 LOUISVILLE RD ALCOA, TN 37701 | AFLAC | $217 | — | $217 | 0.39% |
| BRENT L GOODE3 Filed as: BRENT L. GOODE | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $169 | — | $169 | 0.30% |
| BENJAMIN T MORGENEGG3 Filed as: BENJAMIN T. MORGENEGG | 1915 NORTHSHORE HILLS BLVD. KNOXVILLE, TN 37922 | AFLAC | $90 | — | $90 | 0.16% |
| ERNESTINE KING3 Filed as: ERNESTINE B. KING | 115 LAKEVIEW HILLS LN. CLINTON, TN 37716 | AFLAC | $81 | — | $81 | 0.14% |
| KELSEY DAVID EVERT3 | 541 N MOUNT JULIET RD STE 2201A MOUNT JULIET, TN 37122 | AFLAC | $78 | — | $78 | 0.14% |
| VBTN, INC3 Filed as: VBTN, INC. | 301 MALLORY STATION RD STE 100 FRANKLIN, TN 37067 | AFLAC | $36 | $19 | $55 | 0.10% |
| CHARLES F GREER3 Filed as: CHARLES F. GREER | 2888 ALOMA LAKE RUN SUITE 2300 OVIEDO, FL 32765 | AFLAC | $42 | — | $42 | 0.08% |
| ABBIE W COFFMAN3 Filed as: ABBIE W. COFFMAN | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $35 | — | $35 | 0.06% |
| RONALD H RICHEY3 Filed as: RONALD H. RICHEY | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $29 | — | $29 | 0.05% |
| A ED GOODWIN JR3 Filed as: A ED GOODWIN JR. | 520 DIXON LANE KODAK, TN 37764 | AFLAC | $25 | — | $25 | 0.04% |
| RONALD E KIRKLAND3 Filed as: RONALD E. KIRKLAND | 4 SOTHEBY PL SE GURLEY, AL 35748 | AFLAC | $17 | — | $17 | 0.03% |
| ALAN W MARTIN3 Filed as: ALAN W. MARTIN | 123 CENTER PARK DR. SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $12 | — | $12 | 0.02% |
| KELSEY EVERT3 | 541 N MOUNT JULIET RD STE 2201A MOUNT JULIET, TN 37122 | AFLAC | $9 | — | $9 | 0.02% |
| VBTN, INC3 Filed as: VBTN, INC. | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $3 | — | $3 | 0.01% |
| SHAFER INSURANCE AGENCY INC3 Filed as: SHAFER INSURANCE AGENCY INC. | 1100 MARION STREET STE 200 KNOXVILLE, TN 37921 | USABLE LIFE | $3K | — | $3K | 15.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 15.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | — | $1K | 11.99% |
| SHAFER INSURANCE AGENCY INC3 Filed as: SHAFER INSURANCE AGENCY INC. | 1100 MARION STREET STE 200 KNOXVILLE, TN 37921 | USABLE LIFE | $1K | — | $1K | 10.00% |
| SHAFER INSURANCE AGENCY INC3 Filed as: SHAFER INSURANCE AGENCY, INC. | 1100 MARION STREET STE 200 KNOXVILLE, TN 37921 | USABLE LIFE | $309 | — | $309 | 15.01% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $309 | — | $309 | 15.01% |
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 | 225 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 249 | $1.2M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 249 | $1.1M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 249 | $1.1M |
| Life insurance(2 contracts) | USABLE LIFE | 225 | $30K |
| Other(2 contracts) | USABLE LIFE | 225 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.