| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT FILLMORE3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $182K | — | $182K | 1.30% |
| ORMA R SMITH III3 Filed as: ORMA R SMITH | 3725 CHAMPION HILL DRIVE SUITE 3300 MEMPHIS, TN 38125 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $12K | — | $12K | 0.09% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $69K | $36K | $105K | 10.50% |
| STREAMLINE ENTERPRISES LLC3 | 3725 CHAMPION HILLS DRIVE SUITE 3300 MEMPHIS, TN 38125 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 0.86% |
| ORMA R SMITH III3 Filed as: ORMA SMITH | 3725 CHAMPION HILLS DRIVE SUITE 3300 MEMPHIS, TN 38125 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.24% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $183K | $23K | $207K | 34.97% |
| DIRECTPATH, LLC3 | 120 18TH STREET SOUTH SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 0.64% |
| STREAMLINE ENTERPRISES LLC3 Filed as: STREAMLINE ENTERPRISES, LLC | 3725 CHAMPOIN HILLS DRIVE SUITE 3300 MEMPHIS, TN 38125 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.23% |
| DIRECTPATH, LLC3 | 120 18TH STREET SOUTH SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.17% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 2153 BIRMINGHAM, AL 35287 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $607 | — | $607 | 0.10% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $526 | $76 | $602 | 0.10% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $526 | $76 | $602 | 0.10% |
| SIMMONS FIRST INSURANCE SERVICES3 Filed as: SIMMONS FIRST INSURANCE SERVICES TN | 480 OIL WELL ROAD JACKSON, TN 38305 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $259 | — | $259 | 0.04% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DRIVE NASHVILLE, TX 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.01% |
| BENEFIT COMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $108K | $16K | $124K | 34.17% |
| DIRECTPATH, LLC3 | 120 18TH STREET SOUTH SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.56% |
| LOCKTON COMPANIES, LLC3 | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 64184 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $105 | $2K | 0.50% |
| BCINSOURCING, LLC3 | 6363 COLLEGE BOULEVARD SUITE 500 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $105 | $1K | 0.40% |
| STREAMLINE ENTERPRISES LLC3 Filed as: STREAMLINE ENTERPRISES, LLC | 3725 CHAMPION HILLS DRIVE MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.31% |
| SIMMONS FIRST INSURANCE SERVICES3 | 480 OIL WELL ROAD JACKSON, TN 38305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $178 | — | $178 | 0.05% |
| MORRIS, CHRISTOPHER, ROBERT3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31 | — | $31 | 0.01% |
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 | 3,083 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 120 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 3,133 | $14.0M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 3,133 | $14.0M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 3,133 | $14.0M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,083 | $1.6M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,083 | $1.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,083 | $1.0M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,083 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,133 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.