| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC FINANCIAL PARTNERS3 Filed as: STRATEGIC FINANCIAL PARTNERS L | STE 300 949 S SHADY GROVE RD MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $8K | $20K | 3.19% |
| SCHAEFFER JR, FREDERICK C3 | PO BOX 171368 MEMPHIS, TN 38187 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 1.94% |
| SCHAEFFER JR, FREDERICK C3 | PO BOX 171368 MEMPHIS, TN 38187 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.50% |
| STRATEGIC FINANCIAL PARTNERS3 Filed as: STRATEGIC FINANCIAL PARTNERS L | STE 300 949 S SHADY GROVE RD MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.50% |
| FREDERICK C SCHAEFFER3 Filed as: FREDERICK SCHAEFFER, JR. | P O BOX 171368 MEMPHIS, TN 38187 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 5.00% |
| STRATEGIC FINANCIAL PARTNERS3 | 949 SOUTH SHADY GROVE ROAD SUITE 300 MEMPHIS, TN 38120 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 5.00% |
| MGIS5 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $180 | $180 | 0.32% |
| USI INSURANCE SERVICES LLC3 | PO BOX 680639 FRANKLIN, TN 37068 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 9.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 680639 FRANKLIN, TN 37068 | AETNA LIFE INSURANCE CO. | $0 | $324 | $324 | 1.04% |
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 | 448 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 453 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 44 | $56K |
| Vision | AETNA LIFE INSURANCE CO. | 650 | $31K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 443 | $674K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 443 | $619K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 443 | $730K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 650 | — |
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.