| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDOVA HEALTHCARE3 | 345 NORTH RIVERVIEW SUITE 600 WICHITA, KS 67203 | NATIONAL HEALTH INSURANCE COMPANY | — | $77K | $77K | 28.58% |
| NGMS OF MEMPHIS3 Filed as: NGMS OF MEMPHIS, LLC | 1770 KIRBY PARKWAY SUITE 400 MEMPHIS, TN 38138 | NATIONAL HEALTH INSURANCE COMPANY | $56K | — | $56K | 20.76% |
| HEALTH PARTNERS3 | PO BOX 3490 JACKSON, TN 38303 | NATIONAL HEALTH INSURANCE COMPANY | — | $8K | $8K | 3.14% |
| INFINITY GROUP SOLUTIONS, LLC3 | PO BOX 1728 NIXA, MO 65714 | NATIONAL HEALTH INSURANCE COMPANY | $8K | — | $8K | 3.02% |
| MEDCOM UTILIZATION MANAGEMENT3 | 2100 COVINGTON CENTRE COVINGTON, LA 70433 | NATIONAL HEALTH INSURANCE COMPANY | — | $4K | $4K | 1.36% |
| PHCS3 Filed as: PHCS/MULTIPLAN | PO BOX 29380 NEW YORK, NY 10087 | NATIONAL HEALTH INSURANCE COMPANY | — | $3K | $3K | 1.29% |
| NORTHWESTERN GROUP MARKETING3 Filed as: NORTHWESTERN GROUP MARKETING SERVIC | 1770 KIRBY PARKWAY SUITE 400 MEMPHIS, TN 38138 | USABLE LIFE | $26K | — | $26K | 11.45% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $19K | — | $19K | 8.45% |
| STEVE JETT3 | 1770 KIRBY PARKWAY SUITE 400 FORUM 111 MEMPHIS, TN 38138 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $9K | — | $9K | 9.04% |
| AMERICAN INSURANCE MANAGEMENT INC3 | PO BOX 11595 JACKSON, TN 38308 | AFLAC | $991 | — | $991 | 6.43% |
| WILLIAM M GRAVES JR3 | PO BOX 11595 JACKSON, TN 38308 | AFLAC | $239 | — | $239 | 1.55% |
| CARLA T WITHERINGTON3 | 1405 HERRING DRIVE COVINGTON, TN 38019 | AFLAC | $191 | — | $191 | 1.24% |
| KENNETH R APPLE3 | 830 WILLOW TREE CIRCLE CORDOVA, TN 38018 | AFLAC | $145 | — | $145 | 0.94% |
| PHILLIP L DAGASTINO3 | 5301 PECAN GROVE LANE MEMPHIS, TN 38120 | AFLAC | $140 | — | $140 | 0.91% |
| EARNEST THOMAS BROOKS3 | 153 CHEYENNE DRIVE JACKSON, TN 38305 | AFLAC | $78 | — | $78 | 0.51% |
| ROBERT L GOBLE3 | 6008 NC HIGHWYA 16S TAYLORSVILLE, NC 28681 | AFLAC | $77 | — | $77 | 0.50% |
| WILLIAM WALTER FARRIS3 | 230 JOANN ROAD SOMERVILLE, TN 38068 | AFLAC | $60 | — | $60 | 0.39% |
| FRANCES SANDRA BOND3 | 480 HOLLY SPRINGS CHRUCH ROAD INMAN, SC 29349 | AFLAC | $53 | — | $53 | 0.34% |
| DARIAN NULL3 | 248 GROOM AVENUE COVINGTON, TN 38019 | AFLAC | $45 | — | $45 | 0.29% |
| CHARLES HARTHUN3 Filed as: CHARLES B HARTHUN | 1577 LAWSON ROAD CROSSVILLE, TN 38571 | AFLAC | $38 | — | $38 | 0.25% |
| NATHAN A JONES3 | 406 SOUTH STRADLING ROAD MUNCIE, IN 47304 | AFLAC | $31 | — | $31 | 0.20% |
| WILLIAM C BROWNING3 | 47 WOOD DUCK COVE JACKSON, TN 38305 | AFLAC | $30 | — | $30 | 0.19% |
| ARTHUR M PRIDDY3 | 436 WEST GRAND STREET JACKSON, TN 38301 | AFLAC | $30 | — | $30 | 0.19% |
| JOSHUA LEE JONES3 | 18032 DEERCLIFF COURT GLENCOE, MO 63038 | AFLAC | $19 | — | $19 | 0.12% |
| JOSEPH E PUPEK JR3 | 327 SOUTH WALNUT STREET FLORENCE, AL 35630 | AFLAC | $13 | — | $13 | 0.08% |
| BRADLEY A MANGUS3 | 1411 NORTH CAPE ROCK DRIVE CAPE GIRARDEAU, MO 63701 | AFLAC | $13 | — | $13 | 0.08% |
| JAMES R BARRETT3 | 2645 AVERY PARK DRIVE NASHVILLE, TN 37211 | AFLAC | $12 | — | $12 | 0.08% |
| HAROLD L POSTON SR3 | 10080 HIGHWAY 194 OAKLAND, TN 38060 | AFLAC | $11 | — | $11 | 0.07% |
| PHILLIP L DAGASTINO3 | 5301 PECAN GROVE LANE MEMPHIS, TN 38120 | AFLAC | $10 | — | $10 | 0.06% |
| LAURA SUZANNE RICHARDSON3 Filed as: LAURA S RICHARDSON | 1559 KINGS WAY DRIVE CAPE GIRARDEAU, MO 63701 | AFLAC | $10 | — | $10 | 0.06% |
| MARY DEANNA GRISHAM3 | 1801 SOUTH HARPER ROAD CORINTH, MS 38834 | AFLAC | $8 | — | $8 | 0.05% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $7 | — | $7 | 0.05% |
| BRITT F PARK3 | 1712 GOOD HOPE STREET CAPE GIRARDEAU, MO 63703 | AFLAC | $7 | — | $7 | 0.05% |
| DEBORAH WALKER HULETTE3 | 8317 CORDOVA ROAD SUITE 201 CORDOVA, TN 38016 | AFLAC | $6 | — | $6 | 0.04% |
| BENNY W STENNETT3 | 230 GOODMAN ROAD BUILDING 3 SUITE 101 SOUTHHAVEN, MS 38671 | AFLAC | $6 | — | $6 | 0.04% |
| CAROLYN J MILLS3 | 1124 WEBSTER STREET CORINTH, MS 38834 | AFLAC | $5 | — | $5 | 0.03% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $3 | — | $3 | 0.02% |
| RONALD H RICHEY3 | 4023 LAURAWOOD LANE FRANKLIN, TN 37067 | AFLAC | $3 | — | $3 | 0.02% |
| RITA JONES INC3 | PO BOX 20474 HOT SPRINGS, AR 71903 | AFLAC | $3 | — | $3 | 0.02% |
| KENNETH M WALKER3 | 9930 HIGHWAY 57 MOSCOW, TN 38057 | AFLAC | $3 | — | $3 | 0.02% |
| BRADLEY K HARRISON3 | 3432 WEST TRUMAN BOULEVARD JEFFERSON CITY, MO 65109 | AFLAC | $1 | — | $1 | 0.01% |
| AMERICAN INSURANCE MANAGEMENT INC3 | PO BOX 11595 JACKSON, TN 38308 | AFLAC | $579 | — | $579 | 6.85% |
| WILLIAM M GRAVES JR3 | PO BOX 11595 JACKSON, TN 38308 | AFLAC | $160 | — | $160 | 1.89% |
| KENNETH R APPLE3 | 830 WILLOW TREE CIRCLE CORDOVA, TN 38018 | AFLAC | $142 | — | $142 | 1.68% |
| PHILLIP L DAGASTINO3 | 5301 PECAN GROVE LANE MEMPHIS, TN 38120 | AFLAC | $138 | — | $138 | 1.63% |
| ROBERT L GOBLE3 | 6008 NC HIGHWAY 16S TAYLORSVILLE, NC 28681 | AFLAC | $56 | — | $56 | 0.66% |
| NATHAN A JONES3 | 406 SOUTH STRADLING ROAD MUNCIE, IN 47304 | AFLAC | $23 | — | $23 | 0.27% |
| JOSHUA LEE JONES3 | 18032 DEERCLIFF COURT GLENCOE, MO 63088 | AFLAC | $15 | — | $15 | 0.18% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $5 | — | $5 | 0.06% |
| WILLIAM J. LAMMEL3 Filed as: WILLIAM W DRAPER III | 5326 PANDA LANE MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 2.68% |
| J AUSTIN BAKER3 | PO BOX 770941 MEMPHIS, TN 38117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.38% |
| E SERV LIC3 Filed as: E SERV LLC | 8755 WILLOW TREE CIRCLE CORDOVA, TN 38018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.32% |
| AMERICAN INSURANCE MANAGEMENT INC3 | PO BOX 11595 JACKSON, TN 38308 | AFLAC | $45 | — | $45 | 6.94% |
| KENNETH R APPLE3 | 830 WILLOW TREE CIRCLE CORDOVA, TN 38018 | AFLAC | $13 | — | $13 | 2.01% |
| PHILLIP L DAGASTINO3 | 5301 PECAN GROVE LANE MEMPHIS, TN 38120 | AFLAC | $12 | — | $12 | 1.85% |
| WILLIAM M GRAVES JR3 | PO BOX 11595 JACKSON, TN 38308 | AFLAC | $12 | — | $12 | 1.85% |
| ROBERT L GOBLE3 | 6008 NC HIGHWAY 16S TAYLORSVILLE, NC 28681 | AFLAC | $5 | — | $5 | 0.77% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 302 | $104K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 302 | $104K |
| Life insurance | USABLE LIFE | 187 | $224K |
| Short-term disability | USABLE LIFE | 187 | $224K |
| Long-term disability | USABLE LIFE | 187 | $224K |
| Stop-loss / reinsurancereinsurance | NATIONAL HEALTH INSURANCE COMPANY | 169 | $269K |
| Other(5 contracts, 3 carriers) | USABLE LIFE | 187 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.