| 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. | $160K | $0 | $160K | 5.71% |
| V E PENNEL3 | 5141 WHEELIS AVENUE MEMPHIS, TN 38117 | USABLE LIFE | $12K | $0 | $12K | 15.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $867 | $2K | $2K | 3.08% |
| V E PENNEL3 Filed as: V E PENNEL PENNEL INSURANCE CO., IN | 5141 WHEELIS AVE MEMPHIS, TN 38117 | USABLE LIFE | $12K | $0 | $12K | 15.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | $2K | $3K | 3.76% |
| LINDA R MARCUM3 Filed as: LINDA MARCUM | 3339 N HIGHLAND AVE JACKSON, TN 38305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | — |
| BETTY C HAYNES3 Filed as: BETTY HAYNES | 3339 N HIGHLAND AVE JACKSON, TN 38305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $551 | $0 | $551 | — |
| ROBERT E HIGDON3 Filed as: ROBERT HIGDON | 1016 VENUS DR LAWRENCEBURG, KY 40342 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $297 | $0 | $297 | — |
| MICHAEL A DUARTE3 Filed as: MICHAEL DUARTE | 515 DULL ST DICKSON, TN 37055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | $0 | $159 | — |
| KAREN W GORDON3 Filed as: KAREN GORDON | 390 MASTERS DR LEXINGTON, TN 38351 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | $0 | $145 | — |
| CHRISTOPHER STOCKELAND3 | 7224 SKY MEADOW DR COLLEGE GROVE, TN 37046 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $75 | $141 | — |
| ANTHONY HARRIS3 | 105 CAIN RD PINSON, TN 38366 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | — |
| MARK HOLLAND3 | P.O. BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | — |
| CAROL BASS3 | 645 OLD HICKORY BLVD APT 505 NASHVILLE, TN 37209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $4 | $7 | — |
| TED BENNETT3 | 1830 DESTINY LANE BOWLING GREEN, KY 42104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | — |
| DON FENNELL3 | 13659 QUEENS HARBOR BLVD N JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | — |
| JOSEPH L GREENE3 Filed as: JOSEPH GREENE | 7443 POPLAR PIKE GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | — |
| DAVID EVANS3 | 2711 YORK CT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | — |
| STEVE HOLLEMAN3 | 400 E CHATHAM ST CARY, NC 27511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | — |
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 | 419 | 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) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 419 | $2.8M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 419 | $2.8M |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 152 | $80K |
| Long-term disability | USABLE LIFE | 152 | $78K |
| Other | USABLE LIFE | 152 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 419 | — |
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.