| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 10.26% |
| JOHN R JOHN3 | 6240 POPLAR AVE MEMPHIS, TN 38119 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $391 | $3K | 8.32% |
| EMILY COPELAND3 | PO BOX 453 MIDDLETON, TN 38052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $132 | $3K | 7.14% |
| JOSEPH STERLING SHEPPARD3 | C/O JOSEPH STERLING SHEPPARD CORDOVA, TN 38018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $439 | $0 | $439 | 1.07% |
| DAVID SPARKS PURVIS3 | 3840 SADDLE BEND DR OLIVE BRANCH, MS 38654 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $247 | $0 | $247 | 0.60% |
| JANICE D RUCKS3 | 1204 CHAMBERLAIN NO 4 MEMPHIS, TN 38119 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $169 | $0 | $169 | 0.41% |
| MARGARET ANN TRONSOR3 | 3745 S GALLOWAY DR MEMPHIS, TN 38111 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $126 | $0 | $126 | 0.31% |
| JOSEPH L GREENE3 | 3597 GREENSIDE DR APT 103 MEMPHIS, TN 38125 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | $0 | $40 | 0.10% |
| J AUSTIN BAKER3 | 495 TENNESSEE ST UNIT 701 MEMPHIS, TN 38103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.05% |
| BENEFIT ENROLLMENT SERVICES INC3 Filed as: BENEFIT ENROLLMENT SERVICES INC. | 210 CARDEN AVENUE NASHVILLE, TN 37205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.04% |
| SHAWN MARIE KING3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| INSPIRED INC3 | 50 LAGOSHEN DR MOSCOW, TN 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| RACHEL WINGFIELD3 | 10287 WATERFORD RD COLLIERVILLE, TN 38017 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| JONATHAN FRISCH3 | 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $3K | $0 | $3K | 10.44% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AV SUITE 201 RALEIGH, NC 276123908 | HUMANA INSURANCE COMPANY | $15K | $0 | $15K | 100.00% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 47 | $15K |
| Dental | HUMANA INSURANCE COMPANY | 47 | $15K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 80 | $25K |
| Life insurance | HUMANA INSURANCE COMPANY | 47 | $15K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 66 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 80 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.