| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | P.O. BOX 632886 CINCINNATI, OH 45263 | HUMANA | $31K | — | $31K | 3.49% |
| SUSIE THORPE3 Filed as: SUSIE C. THORPE | 288 W GALLAHER FERRY RD KNOXVILLE, TN 37932 | AFLAC | $4K | — | $4K | 4.73% |
| NATHAN A THORPE3 | 5304 CALVERT LN KNOXVILLE, TN 37918 | AFLAC | $3K | — | $3K | 4.53% |
| CASEY A CURLEE3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $2K | — | $2K | 3.22% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $1K | — | $1K | 1.39% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $233 | — | $233 | 0.31% |
| DONALD L LARSON3 | 1528 LOUISVILLE RD ALCOA, TN 37701 | AFLAC | $138 | — | $138 | 0.18% |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $115 | — | $115 | 0.15% |
| ERNESTINE KING3 Filed as: ERNESTINE B KING | 115 LAKEVIEW HILLS LN CLINTON, TN 37716 | AFLAC | $81 | — | $81 | 0.11% |
| BENJAMIN T MORGENEGG3 | 1915 NORTHSHORE HILLS BLVD KNOXVILLE, TN 37922 | AFLAC | $55 | — | $55 | 0.07% |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $46 | — | $46 | 0.06% |
| CHARLES F GREER3 | 9537 PECKY CYPRESS WAY ORLANDO, FL 32836 | AFLAC | $39 | — | $39 | 0.05% |
| JAY S OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $32 | — | $32 | 0.04% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $27 | — | $27 | 0.04% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $26 | — | $26 | 0.03% |
| VBTN, INC3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $20 | — | $20 | 0.03% |
| ALMON E GOODWIN JR3 | 518 ALABAMA ST KILLEN, AL 35645 | AFLAC | $19 | — | $19 | 0.02% |
| KANDI H HECKLER3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $18 | — | $18 | 0.02% |
| RONALD H RICHEY3 | 4499 MURFREESBORO RD FRANKLIN, TN 37067 | AFLAC | $13 | — | $13 | 0.02% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $13 | — | $13 | 0.02% |
| 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 | $8 | — | $8 | 0.01% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $3 | — | $3 | 0.00% |
| ROGER MURRAY JOHNSON3 | 5936 ENCLAVE DR MURFREESBORO, TN 37128 | AFLAC | $1 | — | $1 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERV | 700 W. 47TH ST SUITE 1100 KANSAS CITY, MO 64112 | 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% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | USABLE LIFE | — | $11 | $11 | 0.06% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | — | $1K | 13.71% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | 700 W 47TH ST SUITE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $843 | — | $843 | 10.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W. 47TH ST. SUITE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $304 | — | $304 | 149.75% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $35 | — | $35 | 17.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 29982 NETWORK PLACE CHICAGO, IL 60673 | USABLE LIFE | — | $2 | $2 | 0.99% |
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 | 144 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 99 | $76K |
| Life insurance | USABLE LIFE | 59 | $19K |
| Other(3 contracts) | USABLE LIFE | 144 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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."
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.