| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KENNETH PAYLOR3 Filed as: KENNETH D PAYLOR | 5100 POPLAR AVENUE SUITE 1200 MEMPHIS, TN 38137 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $8K | — | $8K | 2.27% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL STE 200 MEMPHIS, TN 38117 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $140 | $2K | 5.76% |
| USI INSURANCE SERVICES LLC3 | 5100 POPLAR AVENUE STE 1200 MEMPHIS, TN 38137 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $138 | $2K | 5.69% |
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 | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 277 | $334K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 253 | $28K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 253 | $28K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 277 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.