| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 1.28% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR STE 900 ST LOUIS, MO 631417088 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 0.44% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR STE 900 ST LOUIS, MO 631417088 | HM LIFE INSURANCE COMPANY | $35K | — | $35K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | HARTFORD LIFE AND ACCIDENT | $11K | $868 | $12K | 16.16% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 22ND FL NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH PA | $3K | — | $3K | 25.00% |
| BROWNIE D HALL3 | 321 W MAIN ST LEBANON, TN 37087 | AFLAC | $267 | — | $267 | 3.66% |
| PAYLOGIX3 | 1025 OLD COUNTRY RD SUITE 310 WESTBURY, NY 11590 | AFLAC | $139 | — | $139 | 1.90% |
| RICHARD R WHITENER3 | 300 BARTON FERRY CT LEBANON, TN 37087 | AFLAC | $119 | — | $119 | 1.63% |
| GARY W LOVELL3 | PO BOX 90866 NASHVILLE, TN 37209 | AFLAC | $119 | — | $119 | 1.63% |
| WILSON BANK & TRUST3 | PO BOX 768 LEBANON, TN 37088 | AFLAC | $93 | — | $93 | 1.27% |
| DAVID B RAY3 | 5122 STONEWOOD DR SMYRNA, TN 37167 | AFLAC | $61 | — | $61 | 0.84% |
| RICK R THORNE3 | 321 W MAIN ST LEBANON, TN 37087 | AFLAC | $51 | — | $51 | 0.70% |
| RONALD H RICHEY3 | 4499 MURFREESBORO RD FRANKLIN, TN 37067 | AFLAC | $37 | — | $37 | 0.51% |
| JAMES C FARMER JR3 | 261 CRIMSON SKY CT DRIPPING SPRINGS, TX 78620 | AFLAC | $14 | — | $14 | 0.19% |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIRCLE CROSSVILLE, TN 38555 | AFLAC | $12 | — | $12 | 0.16% |
| KANDI H HECKLER3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $4 | — | $4 | 0.05% |
| AUTUMN BETHEA3 | 1124 GOLF VIEW WAY SPRING HILL, TN 37174 | AFLAC | $1 | — | $1 | 0.01% |
| JW RAINEY INC3 | 229 WARD CIR SUITE B11 BRENTWOOD, TN 37027 | THE CANADA LIFE ASSURANCE COMPANY | $213 | — | $213 | 4.80% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | — | $62 | 2.61% |
| SHARON MAY LINDSAY3 | 2911 STAGE RUN DRIVE HIXON, TN 37343 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 2.15% |
| KATHERINE C ROBERTS3 | 8846 PICADILLY TRAIL OOLTEWAH, TN 37363 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.89% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT II INC | 1401 CHRISTMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.55% |
| THE ADAMSON GROUP INC3 | 344 SUMMERSET DR CHAPIN, SC 29036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.46% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.34% |
| MAX MARTIN LINDSAY3 | 2911 STAGE RUN DRIVE HIXON, TN 37343 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.17% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE EIN 62-0427913 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $938K |
| HEALTHEQUITY EIN 52-2383166 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $28K |
| WEAVER C BARKSDALE & ASSOCIATES INC INVESTMENT MANAGER | Investment management Service code 28 | ONE BURTON HILLS BLVD SUITE 100 NASHVILLE, TN 37215 | $25K |
| TENNESSEE FARMERS COOPERATIVE EIN 62-0435104 PLAN SPONSOR | Other fees; Plan Administrator Service code 14 | — | $8K |
| REGIONS BANK CUSTODIAN | Custodial (securities) Service code 19 | 315 DEADERICK ST - 3RD FL NASHVILLE, TN 37238 | $2K |
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 | 1,700 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,721 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 3,353 | $0 |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 2,293 | $468K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 2,293 | $468K |
| Life insurance(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 1,553 | $1.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,553 | $977K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,700 | $700K |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 2,100 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,353 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.