| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES PEW3 Filed as: JAMES BROGLEN | 6000 POPLAR AVE. STE. 300 MEMPHIS, TN 38119 | BLUECROSS BLUESHIELD OF TENNESSEE | — | $10K | $10K | 2.23% |
| REGIONS INSURANCE INC3 | 6000 POPLAR AVE. STE. 300 MEMPHIS, TN 38119 | BLUECROSS BLUESHIELD OF TENNESSEE | — | $4K | $4K | 0.80% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | — | GUARDIAN | — | $7K | $7K | 1.54% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 2153 BIRMINGHAM, AL 35287 | UNUM | $2K | — | $2K | 14.97% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | $0 | $918 | $918 | 17.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | HARTFORD LIFE AND ACCIDENT | $787 | — | $787 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE EIN 62-0427913 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $277K |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $50K |
| CORPORATE PLANNING NETWORK EIN 62-1492665 THIRD PARTY ADMINISTRATO | Claims processing Service code 12 | — | $15K |
| RXBENEFITS EIN 63-1157085 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $9K |
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 | 493 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE | 1,369 | $448K |
| Vision | VISION SERVICE PLAN | 505 | $61K |
| Life insurance | GUARDIAN | 537 | $446K |
| Long-term disability | GUARDIAN | 537 | $446K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF TENNESSEE | 1,369 | $448K |
| Other(3 contracts, 3 carriers) | GUARDIAN | 537 | $468K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,369 | — |
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."
No prospect flags tripped on this filing.