| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| V E PENNEL3 Filed as: V E PENNEL, JR. | 5141 WHEELIS AVE MEMPHIS, TN 38117 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $147K | $0 | $147K | 4.81% |
| V E PENNEL3 | 5141 WHEELIS AVENUE MEMPHIS, TN 38117 | USABLE LIFE | $12K | $0 | $12K | 13.74% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $6K | $0 | $6K | 6.41% |
| V E PENNEL3 Filed as: V E PENNEL PENNEL INSURANCE CO., IN | 5141 WHEELIS AVE MEMPHIS, TN 38117 | USABLE LIFE | $7K | $0 | $7K | 13.74% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | $0 | $3K | 6.41% |
| LINDA R MARCUM3 Filed as: LINDA MARCUM | 3339 N HIGHLAND AVE JACKSON, TN 38305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 5.51% |
| BETTY C HAYNES3 Filed as: BETTY HAYNES | 3339 N HIGHLAND AVE JACKSON, TN 38305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $550 | $0 | $550 | 1.19% |
| ROBERT E HIGDON3 Filed as: ROBERT HIGDON | 1016 VENUS DR LAWRENCEBURG, KY 40342 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $308 | $0 | $308 | 0.67% |
| KAREN W GORDON3 Filed as: KAREN GORDON | 390 MASTERS DR LEXINGTON, TN 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $194 | $0 | $194 | 0.42% |
| MICHAEL A DUARTE3 Filed as: MICHAEL DUARTE | 515 DULL ST DICKSON, TN 37055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $147 | $0 | $147 | 0.32% |
| CAROL BASS3 | 645 OLD HICKORY BLVD APT 505 NASHVILLE, TN 37209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $0 | $86 | 0.19% |
| CHRISTOPHER STOCKELAND3 | 7224 SKY MEADOW DR COLLEGE GROVE, TN 37046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 0.09% |
| MARK HOLLAND3 | P.O. BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.02% |
| ANTHONY HARRIS3 | 105 CAIN RD PINSON, TN 38366 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| DON FENNELL3 | 13659 QUEENS HARBOR BLVD N JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| JOSEPH L GREENE3 Filed as: JOSEPH GREENE | 7443 POPLAR PIKE GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| DAVID EVANS3 | 2711 YORK CT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| KRISTIN BENNETT3 | 1462 HAMILTON CT BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| STEVE HOLLEMAN3 | 400 E CHATHAM ST CARY, NC 27511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
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 | 426 | 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) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 426 | $3.1M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 426 | $3.1M |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 176 | $134K |
| Long-term disability | USABLE LIFE | 139 | $53K |
| Other | USABLE LIFE | 176 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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.