| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | HUMANA | $22K | — | $22K | 2.08% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | HUMANA | $9K | — | $9K | 0.80% |
| SUSIE THORPE3 Filed as: SUSIE C THORPE | 2828 W GALLAHER FERRY RD KNOXVILLE, TN 37932 | AFLAC | $4K | — | $4K | 5.11% |
| NATHAN A THORPE3 | PO BOX 5811 KNOXVILLE, TN 37928 | AFLAC | $4K | $97 | $4K | 4.54% |
| CASEY A CURLEE3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $3K | $21 | $3K | 3.22% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $1K | $21 | $1K | 1.42% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $249 | — | $249 | 0.30% |
| DONALD L LARSON3 | 1528 LOUISVILLE RD ALCOA, TN 37701 | AFLAC | $158 | — | $158 | 0.19% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $125 | — | $125 | 0.15% |
| ERNESTINE KING3 Filed as: ERNESTINE B KING | 115 LAKEVIEW HILLS LN CLINTON, TN 37716 | AFLAC | $98 | — | $98 | 0.12% |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $61 | — | $61 | 0.07% |
| BENJAMIN T MORGENEGG3 | 1915 NORTHSHORE HILLS BLVD KNOXVILLE, TN 37922 | AFLAC | $57 | — | $57 | 0.07% |
| CHARLES F GREER3 | 9537 PECKY CYPRESS WAY ORLANDO, FL 32836 | AFLAC | $35 | — | $35 | 0.04% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $33 | — | $33 | 0.04% |
| JAY S OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $33 | — | $33 | 0.04% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $28 | — | $28 | 0.03% |
| A ED GOODWIN JR3 | 520 DIXON LN KODAK, TN 37764 | AFLAC | $24 | — | $24 | 0.03% |
| KANDI H HECKLER3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $18 | — | $18 | 0.02% |
| RONALD H RICHEY3 | 4499 MURFREESBORO RD FRANKLIN, TN 37067 | AFLAC | $16 | — | $16 | 0.02% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $12 | — | $12 | 0.01% |
| CARLA T WITHERINGTON3 | 1405 HERRING DR COVINGTON, TN 38019 | AFLAC | $9 | — | $9 | 0.01% |
| ALAN W MARTIN3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $9 | — | $9 | 0.01% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $3 | — | $3 | 0.00% |
| VBTN, INC3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $2 | — | $2 | 0.00% |
| ROGER MURRAY JOHNSON3 | 5936 ENCLAVE DR MURFREESBORO, TN 37128 | AFLAC | $1 | — | $1 | 0.00% |
| ANDREW RADER3 | 265 BROOKVIEW CENTRE WAY STE 505 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE INC | $3K | — | $3K | 7.52% |
| COLE HARRIS3 | 968 KINGSTON PK STE 8 KNOXVILLE, TN 37922 | BLUECROSS BLUESHIELD OF TENNESSEE INC | $876 | — | $876 | 2.39% |
| LUDOVINO DIAZ3 | 26 CENTURY BLVD NASHVILLE, TN 37214 | BLUECROSS BLUESHIELD OF TENNESSEE INC | $596 | — | $596 | 1.62% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | USABLE LIFE | $2K | — | $2K | 10.24% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST SUITE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $1K | — | $1K | 4.76% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | — | $1K | 11.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | USABLE LIFE | $753 | — | $753 | 6.94% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST SUITE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $332 | — | $332 | 3.06% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $321 | — | $321 | 14.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | USABLE LIFE | $217 | — | $217 | 10.13% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH ST SUITE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $104 | — | $104 | 4.85% |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 110 | $82K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE INC | 153 | $37K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE INC | 153 | $37K |
| Life insurance | USABLE LIFE | 81 | $21K |
| Other(2 contracts) | USABLE LIFE | 179 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.