| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | PO BOX 632886 CINCINNATI, OH 45263 | HUMANA | $28K | — | $28K | 3.76% |
| SUSIE THORPE3 Filed as: SUSIE C THORPE | 2828 W GALLAHER FERRY RD KNOXVILLE, TN 37932 | AFLAC | $3K | — | $3K | 4.60% |
| NATHAN A THORPE3 | 5304 CALVERT LN KNOXVILLE, TN 37918 | AFLAC | $3K | $99 | $3K | 4.43% |
| CASEY A CURLEE3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $2K | $23 | $2K | 3.09% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $580 | $23 | $603 | 0.96% |
| TAYLOR THIGPEN3 | 605 COMMODORE LN KNOXVILLE, TN 37934 | AFLAC | $222 | — | $222 | 0.35% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $199 | — | $199 | 0.32% |
| DONALD L LARSON | 1528 LOUISVILLE RD ALCOA, TN 37701 | AFLAC | $128 | — | $128 | 0.20% |
| BRENT GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $99 | — | $99 | 0.16% |
| ERNESTINE KING3 Filed as: ERNESTINE B KING | 115 LAKEVIEW HILLS LN CLINTON, TN 37716 | AFLAC | $74 | — | $74 | 0.12% |
| BENJAMIN T MORGENEGG3 | 1915 NORTHSHORE HILLS BLVD KNOXVILLE, TN 37922 | AFLAC | $55 | — | $55 | 0.09% |
| CHARLES F GREER3 | 9537 PECKY CYPRESS WAY ORLANDO, FL 32836 | AFLAC | $37 | — | $37 | 0.06% |
| JAY S OLEARY3 Filed as: JAY S O'LEARY | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $27 | — | $27 | 0.04% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $23 | — | $23 | 0.04% |
| JOSEPH L LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $23 | — | $23 | 0.04% |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $20 | — | $20 | 0.03% |
| KANDI H HECKLER3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $17 | — | $17 | 0.03% |
| ALMON E GOODWIN JR3 | 518 ALABAMA ST KILLEN, AL 35645 | AFLAC | $15 | — | $15 | 0.02% |
| VBTN, INC3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $13 | — | $13 | 0.02% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $13 | — | $13 | 0.02% |
| RONALD H RICHEY3 | 4499 MURFREESBORO RD FRANKLIN, TN 37067 | AFLAC | $12 | — | $12 | 0.02% |
| CARLA T WITHERINGTON3 | 1405 HERRING DR COVINGTON, TN 38019 | AFLAC | $8 | — | $8 | 0.01% |
| ALAN W MARTIN3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $7 | — | $7 | 0.01% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $2 | — | $2 | 0.00% |
| ROGER MURRAY JOHNSON3 | 5936 ENCLAVE DR MURFREESBORO, TN 37128 | AFLAC | — | — | $0 | 0.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | 700 W 47TH ST SUITE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $3K | $604 | $3K | 18.32% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | — | $3K | 15.00% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | — | $1K | 13.97% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | 700 W 47TH ST SUITE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $815 | $261 | $1K | 13.20% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | 700 W 4TH ST SUITE 1100 KANSAS CITY, MO 64112 | USABLE LIFE | $282 | $71 | $353 | 18.79% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $282 | — | $282 | 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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 67 | $63K |
| Life insurance | USABLE LIFE | 54 | $18K |
| Other(3 contracts) | USABLE LIFE | 110 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.