| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | HUMANA | $40K | — | $40K | 3.01% |
| NATHAN A THORPE3 | PO BOX 5811 KNOXVILLE, TN 37928 | AFLAC | $6K | $348 | $6K | 6.65% |
| SUSIE THORPE3 Filed as: SUSIE C THORPE | 2828 W GALLAHER FERRY RD KNOXVILLE, TN 37932 | AFLAC | $5K | $216 | $5K | 5.80% |
| CASEY A CURLEE3 | 123 CENTRE PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $3K | $113 | $3K | 3.71% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $2K | $113 | $2K | 1.82% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $282 | — | $282 | 0.30% |
| DONALD L LARSON3 | 1528 LOUISVILLE RD ALCOA, TN 37701 | AFLAC | $173 | — | $173 | 0.19% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $140 | — | $140 | 0.15% |
| ERNESTINE KING3 Filed as: ERNESTINE B KING | 115 LAKEVIEW HILS LN CLINTON, TN 37716 | AFLAC | $107 | — | $107 | 0.12% |
| BENJAMIN T MORGENEGG3 | 1915 NORTHSHORE HILLS BLVD KNOXVILLE, TN 37922 | AFLAC | $61 | — | $61 | 0.07% |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $60 | — | $60 | 0.06% |
| CHARLES F GREER3 | 9537 PECKY CYPRESS WAY ORLANDO, FL 32836 | AFLAC | $39 | — | $39 | 0.04% |
| JAY S OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $38 | — | $38 | 0.04% |
| ABBIE W COFFMAN3 | 31 HAWTHORNE CIR CROSSVILLE, TN 38555 | AFLAC | $36 | — | $36 | 0.04% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $32 | — | $32 | 0.03% |
| A ED GOODWIN JR3 | 520 DIXON LANE KODAK, TN 37764 | AFLAC | $27 | — | $27 | 0.03% |
| VBTN, INC3 Filed as: VBTN INC | 200 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $26 | — | $26 | 0.03% |
| KANDI H HECKLER3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $20 | — | $20 | 0.02% |
| RONALD H RICHEY3 | 4499 MURFREESBORO RD FRANKLIN, TN 37067 | AFLAC | $17 | — | $17 | 0.02% |
| ALAN W MARTIN3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $10 | — | $10 | 0.01% |
| CARLA T WITHERINGTON3 | 1405 HERRING DR COVINGTON, TN 38019 | AFLAC | $9 | — | $9 | 0.01% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $8 | — | $8 | 0.01% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $4 | — | $4 | 0.00% |
| ROGER MURRAY JOHNSON3 | 5936 ENCLAVE DRIVE MURFREESBORO, TN 37128 | AFLAC | $1 | — | $1 | 0.00% |
| ANDREW RADER3 | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $5K | — | $5K | 10.80% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $4K | — | $4K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST 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 | $1K | — | $1K | 12.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | USABLE LIFE | $1K | — | $1K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | USABLE LIFE | $383 | — | $383 | 15.01% |
| GROUP LIFE INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTAHNOOGA, TN 37402 | USABLE LIFE | $383 | — | $383 | 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 | 226 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 132 | $93K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 188 | $47K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 188 | $47K |
| Other(3 contracts) | USABLE LIFE | 226 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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."
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.