| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRANNON BROOKE3 | 1421 HANZ DRIVE NEW BRAUNFELS, TX 78130 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $127K | — | $127K | 5.17% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | PO BOX 8299 PASADENA, CA 91109 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $55 | $6K | 11.74% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER ROAD SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | — | $667 | $667 | 1.24% |
| MARY KATHY LARSON3 | 722 SETTLERS POND WAY KNOXVILLE, TN 37923 | AFLAC | $4K | $56 | $4K | 9.71% |
| NORMA TREVINO3 | 5917 SAN PEDRO AVENUE SUITE 3 SAN ANTONIO, TX 78212 | AFLAC | $1K | $31 | $1K | 2.80% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $880 | $7 | $887 | 1.94% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES F HILL | 11350 GATES MILL DRIVE KNOXVILLE, TN 37934 | AFLAC | $743 | — | $743 | 1.63% |
| CHARITY TOUTON3 | 2199 MEALER ROAD LENOIR CITY, TN 37771 | AFLAC | $682 | $7 | $689 | 1.51% |
| RICHARD E DEASON3 | 525 NORTH BROADWAY AVENUE SYLACAUGA, AL 35150 | AFLAC | $209 | — | $209 | 0.46% |
| BRENT FORD3 Filed as: BRENT A FORD | 40 NORTHEAST LOOP 410 SUITE 408 SAN ANTONIO, TX 78216 | AFLAC | $162 | $9 | $171 | 0.37% |
| RONALD D LEONARD3 | 123 CNETER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $168 | — | $168 | 0.37% |
| CASEY A CURLEE3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $110 | $5 | $115 | 0.25% |
| THE HORTON GROUP3 Filed as: MEGHAN E HORTON BOWEN | 500 WEBSTER ROAD LOT 365 AUBURN, AL 36832 | AFLAC | $112 | — | $112 | 0.25% |
| COLINDA LEE SIMMONS3 | 8521 BLANCO ROAD SUITE 2 SAN ANTONIO, TX 78216 | AFLAC | $66 | — | $66 | 0.14% |
| MICHAEL FOWLER3 | 2204 EXECUTIVE PARK DRIVE OPELIKA, AL 36801 | AFLAC | $55 | — | $55 | 0.12% |
| STEVEN HARDY3 | 1379 MEADOWLARK PLEASANTON, TX 78064 | AFLAC | $37 | $3 | $40 | 0.09% |
| EVELYN GARCIA3 Filed as: EVELYN M LOYOLA | PO BOX 114 NEWTONVILLE, NJ 08346 | AFLAC | $29 | — | $29 | 0.06% |
| EDIANA MARTINEZ3 | 1611 TOMAHAWK COURT VINELAND, NJ 08361 | AFLAC | $15 | — | $15 | 0.03% |
| REBECCA LYNN HOGAN3 | 145 OLD LEAD MINE VALLEY ROAD SW CLEVELAND, TN 37311 | AFLAC | $13 | — | $13 | 0.03% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK ROAD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $7 | — | $7 | 0.02% |
| WAYNE G MCMEEN3 | 1740 URBAN TRAIL APARTMENT 218 CHATTANOOGA, TN 37405 | AFLAC | $7 | — | $7 | 0.02% |
| LARRY SCHEETZ3 Filed as: LARRY A SCHEETZ | 12607 WEATHERSTONE DRIVE KNOXVILLE, TN 37922 | AFLAC | $4 | — | $4 | 0.01% |
| DONNA N WILLIAMS3 Filed as: DONNA L WILSON | 1356 CHATAM RIDGE LANE KNOXVILLE, TN 37932 | AFLAC | $4 | — | $4 | 0.01% |
| ELIZABETH E REEVES3 | 3622 ALTAMIRA DRIVE CHATTANOOGA, TN 37412 | AFLAC | $4 | — | $4 | 0.01% |
| ERIN PEDERSON3 Filed as: ERIN M KRAGENBRINK | 8405 VININGS WAY KNOXVILLE, TN 37919 | AFLAC | $3 | — | $3 | 0.01% |
| MATTHEW D BUTLER3 Filed as: MATTHEW T BERRY | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $2 | — | $2 | 0.00% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1421 HANZ DRIVE NEW BRAUNFELS, TX 78130 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 14.85% |
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 | 346 | 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) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 595 | $2.5M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 595 | $2.5M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 595 | $2.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 449 | $54K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 69 | $33K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 69 | $33K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 449 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 595 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.