| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN FRISCH3 | 340 SEVEN SPRINGS WAY STE 750 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $22K | — | $22K | 5.35% |
| JOHN R JOHN3 | 6240 POPLAR AVE MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.71% |
| GREYSON FISHER STERLING3 | 1856 PARK TRIAL DRIVE GERMANTOWN, TN 38139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.25% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.38% |
| EMILY COPELAND3 | PO BOX 453 MIDDLETON, TN 38502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $586 | — | $586 | 1.15% |
| JOSEPH STERLING SHEPARD3 | C/O JOSEPH STERLING SHEPARD CORDOVA, TN 38018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $395 | — | $395 | 0.77% |
| CLAIRE TRISTYN JOHN3 | 1300 BRIDGE AVE MEMPHIS, TN 37916 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $282 | — | $282 | 0.55% |
| JANICE D RUCKS3 | 691 S BYHALIA RD APT 338 COLLIERVILLE, TN 38017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | — | $169 | 0.33% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BLVD OLIVE BRANCH, MS 38654 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $131 | — | $131 | 0.26% |
| RACHEL WINGFIELD3 | 10287 WATERFORD RD COLLIERVILLE, TN 38017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.10% |
| JOSEPH L GREENE3 | 3597 GREENSIDE DR APT 103 MEMPHIS, TN 38125 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.06% |
| J AUSTIN BAKER3 | 159 AUGUSTA AVE PLEASANT VIEW, TN 37146 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.03% |
| BENEFIT ENROLLMENT SERVICES INC3 | 210 CARDEN AVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| INSPIRED INC3 | 50 LAGOSHEN DR MOSCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC RZ7 | 100 KIMBALL PLACE SUITE 300 ALPHARETTA, GA 30009 | COMPANION LIFE INSURANCE COMPANY | — | $212 | $212 | 7.42% |
| GROUP INSURANCE SERVICES INC3 | ONE CAMERON PARKWAY CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | — | $198 | $198 | 6.93% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC XHE | PO BOX 896620 CHARLOTTE, NC 28289 | COMPANION LIFE INSURANCE COMPANY | — | $184 | $184 | 6.44% |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 63 | $412K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 51 | $51K |
| Other | COMPANION LIFE INSURANCE COMPANY | 124 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.
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.