| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDERICK C SCHAEFFER3 | PO BOX 171368 MEMPHIS, TX 38187 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 5.60% |
| STRATEGIC FINANCIAL PARTNERS3 Filed as: STRATEGIC FINANCIAL PARTNERS LLC | 949 S SHADY GROVE RD., SUITE 300 MEMPHIS, TX 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $802 | $802 | 0.75% |
| FREDERICK C SCHAEFFER3 Filed as: FREDERICK C SHAEFFER | PO BOX 171368 MEMPHIS, TN 38187 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.43% |
| DARREL A SUMNER3 | 949 SOUTH SHADY GROVE RD MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.22% |
| DENNIS E TRAYWICK3 | 6738 FLAT CREEK RD COLLEGE GROVE, TN 37046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $531 | $142 | $673 | 1.41% |
| ROGER S HILL3 | 795 RIDGE LAKE BLVD MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $608 | $0 | $608 | 1.27% |
| STRATEGIC FINANCIAL PARTNERS3 Filed as: STRATEGIC FINANCIAL PARTNERS, LLC | 949 SHADY GROVE RD S MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $528 | $0 | $528 | 1.11% |
| BENEFIT ENROLLMENT SERVICES INC3 Filed as: BENEFIT ENROLLMENT SERVICES INC. | 210 CARDEN AVENUE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $461 | $18 | $479 | 1.00% |
| SHAWN MARIE KING3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $59 | $121 | 0.25% |
| JAMES A SHARP3 | 1021 TULIP BLOSSOM DRIVE HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $0 | $87 | 0.18% |
| BRENDA H BRIDGES3 | 223 SHADY LANE WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | $0 | $81 | 0.17% |
| MARILYNN DECKER3 | 5173 JOHN HAGAR RD HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $0 | $60 | 0.13% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXT. SUITE 100 MEMPHIS, TN 38112 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $302 | $3K | 14.84% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $152 | $0 | $152 | 0.82% |
| RICHARD M MCKINLEY3 Filed as: RICHARD MCKINLEY | 2670 UNION AVE EXTENDED SUITE 200 MEMPHIS, TX 38112 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $2K | $0 | $2K | 9.74% |
| FREDERICK C SCHAEFFER3 | PO BOX 171368 MEMPHIS, TN 38187 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 9.52% |
| ROGER S HILL3 | 795 RIDGE LAKE BLVD. MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $521 | $0 | $521 | 4.15% |
| DARREL A SUMNER3 | 949 SOUTH SHADY GROVE ROAD MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $502 | $0 | $502 | 4.00% |
| DENNIS E TRAYWICK3 | 6738 FLAT CREEK ROAD COLLEGE GROVE, TN 37046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $264 | $129 | $393 | 3.13% |
| STRATEGIC FINANCIAL PARTNERS3 Filed as: STRATEGIC FINANCIAL PARTNERS LLC | 949 SHADY GROVE ROAD S MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $299 | $0 | $299 | 2.38% |
| SHAWN MARIE KING3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | $88 | $180 | 1.43% |
| BENEFIT ENROLLMENT SERVICES INC3 Filed as: BENEFIT ENROLLMENT SERVICES INC. | 210 CARDEN AVENUE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $1 | $95 | 0.76% |
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 | 286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 421 | $18K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 532 | $18K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 88 | $107K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 532 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.