| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDERICK C SCHAEFFER3 | PO BOX 171368 MEMPHIS, TN 381871368 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 4.50% |
| STRATEGIC FINANCIAL PARTNERS3 | 949 S SHADY GROVE RD STE 300 MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $949 | $949 | 0.75% |
| FREDERICK C SCHAEFFER3 | PO BOX 171368 MEMPHIS, TN 38187 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 5.42% |
| DARRELL A SUMNER3 | 949 SHADY GROVE RD S STE 300 MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 2.59% |
| DENNIS E TRAYWICK3 | 6738 FLAT CREEK RD COLLEGE GROVE, TN 37046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $653 | $267 | $920 | 1.87% |
| ROGER S HILL3 | PO BOX 9 LA GRANGE, TN 38046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $747 | $0 | $747 | 1.52% |
| STRATEGIC FINANCIAL PARTNERS3 Filed as: STRATEGIC FINANCIAL PARTNERS LLC | 949 SHADY GROVE RD S MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $666 | $0 | $666 | 1.36% |
| INSPIRED INC3 | 50 LAGOSHEN DR MOSCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $249 | $142 | $391 | 0.80% |
| BENEFIT ENROLLMENT SERVICES INC3 | 210 CARDEN AVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $374 | $0 | $374 | 0.76% |
| KELLE DAGGETT PERRY3 | 797 OLD CC RD PIKEVILLE, TN 37367 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | $9 | $143 | 0.29% |
| JAMES A SHARP3 | 1021 TULIP BLOSSOM DR HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | $0 | $80 | 0.16% |
| BRENDA H BRIDGES3 | 223 SHADY LN WHITE HOUSE, TN 37188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | $0 | $73 | 0.15% |
| MARILYNN DECKER3 | 5173 JOHN HAGAR RD HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $57 | $0 | $57 | 0.12% |
| RICHARD M MCKINLEY3 | 2670 UNION AVENUE EXT SUITE 200 MEMPHIS, TX 38112 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $2K | $0 | $2K | 9.98% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXT STE100 MEMPHIS, TN 38112 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 19.14% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 ANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $197 | $22 | $219 | 1.33% |
| FREDERICK C SCHAEFFER3 | PO BOX 171368 MEMPHIS, TN 38187 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $682 | $0 | $682 | 5.51% |
| DARREL A SUMNER3 | 949 SHADY GROVE RD S STE 300 MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $330 | $0 | $330 | 2.67% |
| DENNIS E TRAYWICK3 | 6738 FLAT CREEK RD COLLEGE GROVE, TN 37046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $170 | $66 | $236 | 1.91% |
| ROGER S HILL3 | PO BOX 9 LA GRANGE, TN 38046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $196 | $0 | $196 | 1.58% |
| STRATEGIC FINANCIAL PARTNERS3 Filed as: STRATEGIC FINANCIAL PARTNERS LLC | 949 SHADY GROVE RD S MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $0 | $171 | 1.38% |
| INSPIRED INC3 | 50 LAGOSHEN DR MOSCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | $36 | $104 | 0.84% |
| BENEFIT ENROLLMENT SERVICES INC3 | 210 CARDEN AVE NASHVILLE, TN 37205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $0 | $91 | 0.74% |
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 | 250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 278 | $19K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 465 | $16K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 91 | $127K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 465 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 465 | — |
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.