| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREW RADER3 | 265 BROOKVIEW CENTRE WAY #505 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE INC | $43K | — | $43K | 3.62% |
| SUSIE THORPE3 Filed as: SUSIE C THORPE | PO BOX 31858 KNOXVILLE, TN 37930 | AFLAC | $9K | $351 | $10K | 11.70% |
| CASEY A CURLEE3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $3K | $74 | $3K | 3.36% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $1K | $74 | $1K | 1.51% |
| NATHAN A THORPE3 | PO BOX 5811 KNOXVILLE, TN 37928 | AFLAC | $650 | $18 | $668 | 0.81% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $383 | — | $383 | 0.47% |
| DONALD L LARSON3 | 1528 LOUISVILLE RD ALCOA, TN 37701 | AFLAC | $221 | — | $221 | 0.27% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $190 | — | $190 | 0.23% |
| ERNESTINE KING3 Filed as: ERNESTINE B KING | 115 LAKEVIEW HILLS LN CLINTON, TN 37716 | AFLAC | $97 | — | $97 | 0.12% |
| KELSEY DAVID EVERT3 | 2056 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $96 | — | $96 | 0.12% |
| BENJAMIN T MORGENEGG3 | 1915 NORTHSHORE HILLS BLVD KNOXVILLE, TN 37922 | AFLAC | $72 | — | $72 | 0.09% |
| JAY S OLEARY3 | 2000 GLEN ECHO RD STE 2014 NASHVILLE, TN 37215 | AFLAC | $57 | — | $57 | 0.07% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $43 | — | $43 | 0.05% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $36 | — | $36 | 0.04% |
| CHARLES F GREER3 | 2888 ALOMA LAKE RUN SUITE 2300 OVIEDO, FL 32765 | AFLAC | $34 | — | $34 | 0.04% |
| VBTN, INC Filed as: VBTN INC | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $30 | — | $30 | 0.04% |
| RONALD H RICHEY3 | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $30 | — | $30 | 0.04% |
| A ED GOODWIN JR3 | 520 DIXON LANE KODAK, TN 37764 | AFLAC | $27 | — | $27 | 0.03% |
| KANDI H HECKLER3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $23 | — | $23 | 0.03% |
| ALAN W MARTIN3 | 123 CENTER PARK DR SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $14 | — | $14 | 0.02% |
| CARLA T WITHERINGTON3 | 1405 HERRIN DR COVINGTON, TN 38019 | AFLAC | $13 | — | $13 | 0.02% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $13 | — | $13 | 0.02% |
| CHARLES F GREER3 | 9537 PECKY CYPRESS WAY ORLANDO, FL 32836 | AFLAC | $11 | — | $11 | 0.01% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $9 | — | $9 | 0.01% |
| ROGER MURRAY JOHNSON3 | 1926 TURNING WHEEL LN FRANKLIN, TN 37067 | AFLAC | $2 | — | $2 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | USABLE LIFE | $4K | — | $4K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $4K | — | $4K | 15.00% |
| SHAFER INSURANCE AGENCY INC3 | 1100 MARION STREET KNOXVILLE, TN 37921 | USABLE LIFE | — | $7 | $7 | 0.03% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | — | $1K | 11.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | USABLE LIFE | $1K | — | $1K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | USABLE LIFE | $352 | — | $352 | 14.99% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $352 | — | $352 | 14.99% |
| SHAFER INSURANCE AGENCY INC3 | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | USABLE LIFE | — | $1 | $1 | 0.04% |
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 | 261 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE INC | 237 | $1.3M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE INC | 237 | $1.2M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE INC | 237 | $1.2M |
| Life insurance | USABLE LIFE | 261 | $11K |
| Other(3 contracts) | USABLE LIFE | 261 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.