| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| V E PENNEL3 Filed as: V E PENNEL, JR. | 5141 WHEEL AVE MEMPHIS, TN 38117 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $98K | — | $98K | 3.98% |
| V E PENNEL | 5141 WHEEL AVENUE MEMPHIS, TN 38117 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $31K | — | $31K | 1.27% |
| V E PENNEL3 | 5141 WHEELIS AVENUE MEMPHIS, TN 38117 | USABLE LIFE | $21K | — | $21K | 30.94% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $3K | $3K | $5K | 8.13% |
| LINDA R MARCUM3 Filed as: LINDA MARCUM | 3339 N HIGHLAND AVE JACKSON, TN 38305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $11 | $3K | 4.96% |
| BETTY C HAYNES3 Filed as: BETTY HAYNES | 3339 N HIGHLAND AVE JACKSON, TN 38305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $719 | — | $719 | 1.35% |
| ROBERT E HIGDON3 Filed as: ROBERT HIGDON | 1016 VENUS DR LAWRENCEBURG, KY 40342 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $343 | — | $343 | 0.65% |
| MICHAEL A DUARTE3 Filed as: MICHAEL DUARTE | 515 DULL ST DICKSON, TN 37055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | — | $197 | 0.37% |
| KAREN W GORDON3 Filed as: KAREN GORDON | 390 MASTERS DR LEXINGTON, TN 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | — | $135 | 0.25% |
| CHRISTOPHER STOCKELAND | 7224 SKY MEADOW DR COLLEGE GROVE, TN 37046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $38 | $78 | 0.15% |
| MARK HOLLAND3 | P.O. BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| ANTHONY HARRIS3 | 105 CAIN RD PINSON, TN 38366 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| STEVE HOLLEMAN3 | 400 E CHATHAM ST CARY, NC 27511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| DON FENNELL3 | 13659 QUEENS HARBOR BLVD N JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| JOSEPH L GREENE3 Filed as: JOSEPH GREENE | 7443 POPLAR PIKE GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| DAVID EVANS3 | 2711 YORK CT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MOORE INS OF BROWNSVILLE LLC3 | P.O. BOX 355 BROWNSVILLE, TN 38012 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| SHEILA JOHNSON3 | 276 GREENHILL DR JACKSON, TN 38305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| WILBURN RICHARD ARRINGTON3 | 148 WEST UNIVERSITY PKWY JACKSON, TN 38305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 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 | 393 | 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) | 393 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 393 | $2.5M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 393 | $2.5M |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 55 | $53K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 55 | $53K |
| Long-term disability | USABLE LIFE | 145 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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.