| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRANNON BROOKE3 Filed as: BRANNON BROOKE-TCOR MANAGEMENT | 1421 HANZ DR NEW BRAUNFELS, TX 78130 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $43K | — | $43K | 6.49% |
| TCOR INSURANCE AGENCY LTD3 Filed as: TCOR INS AGENCY LTD | 1421 HANZ DR NEW BRAUNFELS, TX 78130 | DELTA DENTAL OF TENNESSEE | $6K | — | $6K | 10.00% |
| MARY KATHY LARSON3 | 3668 RAVEN GROVE WAY APT 727 KNOXVILLE, TN 37918 | AFLAC | $4K | $390 | $5K | 10.66% |
| MARY KATHY LARSON3 | 722 SETTLERS POND WAY KNOXVILLE, TN 37923 | AFLAC | $2K | $46 | $3K | 5.59% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES F HILL | 11350 GATES MILL DR KNOXVILLE, TN 37934 | AFLAC | $2K | $217 | $2K | 4.86% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $1K | $190 | $1K | 2.83% |
| RICHARD E DEASON3 | 525 N BROADWAY AVE SYLACAUGA, AL 35150 | AFLAC | $406 | $125 | $531 | 1.17% |
| RONALD D LEONARD3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $418 | $92 | $510 | 1.12% |
| THE HORTON GROUP3 Filed as: MEGHAN E HORTON BOWEN | 500 WEBSTER RD LOT 365 AUBURN, AL 36832 | AFLAC | $153 | $25 | $178 | 0.39% |
| MICHAEL FOWLER3 | 2204 EXECUTIVE PARK DR OPELIKA, AL 36801 | AFLAC | $83 | $25 | $108 | 0.24% |
| WILLIAM WALTER FARRIS3 | 260 JOANN RD SOMERVILLE, TN 38068 | AFLAC | $106 | — | $106 | 0.23% |
| DAVID L DACUS3 | 9045 FOREST CENTRE DR STE 101 C/0 EXECUTIVE BENEFITS GERMANTOWN, TN 38138 | AFLAC | $95 | — | $95 | 0.21% |
| EVELYN GARCIA3 Filed as: EVELYN M LOYOLA | 50 W MONTROSE ST VINELAND, NJ 08360 | AFLAC | $59 | $26 | $85 | 0.19% |
| WILLIAM W FARRIS III3 | 1575 CYPRESS LAKE DR ARLINGTON, TN 38002 | AFLAC | $72 | — | $72 | 0.16% |
| GREG GRIFFITH3 Filed as: GREG W GRIFFITH | 393 TENNESSEE ST APT 1 MEMPHIS, TN 38103 | AFLAC | $46 | — | $46 | 0.10% |
| EDIANA MARTINEZ3 | 1611 TOMAHAWK CT VINELAND, NJ 08361 | AFLAC | $21 | $5 | $26 | 0.06% |
| MICHAEL BUTTERFIELD3 | 2021 NEW RD STE 12B LINWOOD, NJ 08221 | AFLAC | $11 | $5 | $16 | 0.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD F BROWN | 5150 BAY TOWN CONWAY, AR 72034 | AFLAC | $7 | — | $7 | 0.02% |
| TONYA SUE ELMORE3 | 1930 HIGHWAY 71E MANSFIELD, AR 72944 | AFLAC | $5 | — | $5 | 0.01% |
| CHARLES L CHANCELLOR3 | 903 WEATHERFORD DR BENTON, AR 72015 | AFLAC | $2 | — | $2 | 0.00% |
| TAMI S GILL3 | 53 MICHELLE DR BRIGHTON, TN 38011 | AFLAC | $1 | — | $1 | 0.00% |
| TCOR INSURANCE AGENCY LTD3 Filed as: TCOR INS AGENCY LTD | 1421 HANZ DR NEW BRAUNFELS, TX 78130 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 11.81% |
| TCOR INSURANCE MANAGEMENT3 | 1421 HANZ DR NEW BRAUNFELS, TX 78130 | VISION SERVICE PLAN | $1K | — | $1K | 6.06% |
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 243 | $710K |
| Dental | DELTA DENTAL OF TENNESSEE | 282 | $64K |
| Vision | VISION SERVICE PLAN | 138 | $17K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $29K |
| Short-term disability | AFLAC | 53 | $46K |
| Other(2 contracts, 2 carriers) | AFLAC | 236 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.