| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDOVA HEALTHCARE3 | 345 NORTH RIVERVIEW SUITE 600 WICHITA, KS 67203 | NATIONAL HEALTH INSURANCE COMPANY | — | $71K | $71K | 33.55% |
| NGMS OF MEMPHIS3 Filed as: NGMS OF MEMPHIS, LLC | 1770 KIRBY PARKWAY SUITE 400 MEMPHIS, TN 38138 | NATIONAL HEALTH INSURANCE COMPANY | $42K | — | $42K | 19.85% |
| LIFESTYLE HEALTH ADVISORS3 | 29 GEORGETOWN COVE JACKSON, TN 38305 | NATIONAL HEALTH INSURANCE COMPANY | $17K | — | $17K | 7.94% |
| HEALTH PARTNERS3 | PO BOX 3490 JACKSON, TN 38303 | NATIONAL HEALTH INSURANCE COMPANY | — | $7K | $7K | 3.41% |
| MEDCOM UTILIZATION MANAGEMENT3 | 2100 COVINGTON CENTRE COVINGTON, LA 70433 | NATIONAL HEALTH INSURANCE COMPANY | — | $3K | $3K | 1.43% |
| INFINITY GROUP SOLUTIONS, LLC3 | PO BOX 1728 NIXA, MO 65714 | NATIONAL HEALTH INSURANCE COMPANY | $3K | — | $3K | 1.35% |
| PHCS3 Filed as: PHCS/MULTIPLAN | PO BOX 29380 NEW YORK, NY 10087 | NATIONAL HEALTH INSURANCE COMPANY | — | $3K | $3K | 1.22% |
| NORTHWESTERN GROUP MARKETING3 Filed as: NORTHWESTERN GROUP MARKETING SERVIC | 1770 KIRBY PARKWAY SUITE 400 MEMPHIS, TN 38138 | USABLE LIFE | $21K | — | $21K | 11.46% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $14K | — | $14K | 7.73% |
| STEVE JETT3 | 1770 KIRBY PARKWAY SUITE 400 FORUM 111 MEMPHIS, TN 38138 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $10K | — | $10K | 9.60% |
| GTL & ASSOCIATES3 Filed as: GTL & ASSOCIATES LLC | 6729 SUGAR HILL DRIVE NASHVILLE, TN 37211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 29.73% |
| DARIAN NULL3 Filed as: DARIAN W NULL | 248 GROOM AVENUE COVINGTON, TN 38019 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 14.80% |
| CHARLES HARTHUN3 | 1577 LAWSON ROAD CROSSVILLE, TN 38571 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.35% |
| DEBORAH SUSAN RIFFLE3 Filed as: DEBORAH S RIFFLE | 129 JIM BOB SCRUGGS ROAD HUMBOLDT, TN 38343 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.28% |
| LORI R GRIZZELL3 | 2319 BELLEVUE COURT BOWLING GREEN, KY 42101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.18% |
| AMERICAN INSURANCE MANAGEMENT INC3 | PO BOX 11595 JACKSON, TN 38308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $665 | — | $665 | 1.88% |
| MEGAN M EDINGTON3 | PO BOX 15 TROY, TN 38260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86 | — | $86 | 0.24% |
| AMERICAN INSURANCE MANAGEMENT INC3 | PO BOX 11595 JACKSON, TN 38308 | AFLAC | $518 | $23 | $541 | 5.37% |
| WILLIAM M GRAVES JR3 | PO BOX 11595 JACKSON, TN 38308 | AFLAC | $142 | — | $142 | 1.41% |
| CARLA T WITHERINGTON3 | 1405 HERRING DRIVE COVINGTON, TN 38019 | AFLAC | $142 | — | $142 | 1.41% |
| PHILLIP L DAGASTINO3 | 5301 PECAN GROVE LANE MEMPHIS, TN 38120 | AFLAC | $102 | — | $102 | 1.01% |
| ALICE APPLE3 | 135 WALNUT CREEK ROAD CORDOVA, TN 38018 | AFLAC | $96 | — | $96 | 0.95% |
| ROBERT GOBLE3 | 1410 4TH STREET DRIVE NORTHWEST UNIT 208 HICKORY, NC 28601 | AFLAC | $53 | — | $53 | 0.53% |
| PATRICIA BROOKS3 | 153 CHEYENNE DRIVE JACKSON, TN 38305 | AFLAC | $50 | — | $50 | 0.50% |
| FRANCES SANDRA BOND3 | 480 HOLLY SPRINGS CHRUCH ROAD INMAN, SC 29349 | AFLAC | $39 | — | $39 | 0.39% |
| WILLIAM C BROWNING3 | 47 WOOD DUCK COVE JACKSON, TN 38305 | AFLAC | $30 | — | $30 | 0.30% |
| ARTHUR PRIDDY3 | 214 LIBERTY ROAD JACKSON, TN 38305 | AFLAC | $30 | — | $30 | 0.30% |
| WILLIAM WALTER FARRIS3 | 230 JOANN ROAD SOMERVILLE, TN 38068 | AFLAC | $30 | — | $30 | 0.30% |
| DARIAN NULL3 | 248 GROOM AVENUE COVINGTON, TN 38019 | AFLAC | $14 | $5 | $19 | 0.19% |
| CHARLES HARTHUN3 Filed as: CHARLES B HARTHUN | 1577 LAWSON ROAD CROSSVILLE, TN 38571 | AFLAC | $9 | $5 | $14 | 0.14% |
| JOSEPH E PUPEK JR3 | 327 SOUTH WALNUT STREET FLORENCE, AL 35630 | AFLAC | $13 | — | $13 | 0.13% |
| LAURA SUZANNE RICHARDSON3 Filed as: LAURA S RICHARDSON | 1559 KINGS WAY DRIVE CAPE GIRARDEAU, MO 63701 | AFLAC | $13 | — | $13 | 0.13% |
| BRADLEY A MANGUS3 | 1411 NORTH CAPE ROCK DRIVE CAPE GIRARDEAU, MO 63701 | AFLAC | $13 | — | $13 | 0.13% |
| JAMES R BARRETT3 | 2645 AVERY PARK DRIVE NASHVILLE, TN 37211 | AFLAC | $12 | — | $12 | 0.12% |
| BRITT F PARK3 Filed as: BRITT PARK | 1971 BRIARWOOD DRIVE CAPE GIRARDEAU, MO 63701 | AFLAC | $7 | — | $7 | 0.07% |
| HAROLD L POSTON SR3 | 10080 HIGHWAY 194 OAKLAND, TN 38060 | AFLAC | $6 | — | $6 | 0.06% |
| DEBORAH W HULETTE3 Filed as: DEBORAH HULETTE | 115 CARRIAGE CV SUITE 201 EADS, TN 38028 | AFLAC | $3 | — | $3 | 0.03% |
| PAMELA W EZZELL3 Filed as: PAMELA EZZELL | 4066 HIGHLAND RIDGE ROAD BIRMINGHAM, AL 35242 | AFLAC | $3 | — | $3 | 0.03% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $2 | — | $2 | 0.02% |
| RONALD H RICHEY3 | 4023 LAURAWOOD LANE FRANKLIN, TN 37067 | AFLAC | $2 | — | $2 | 0.02% |
| KENNETH M WALKER3 | 9930 HIGHWAY 57 MOSCOW, TN 38057 | AFLAC | $2 | — | $2 | 0.02% |
| BRADLEY K HARRISON3 | 3432 WEST TRUMAN BOULEVARD JEFFERSON CITY, MO 65109 | AFLAC | $1 | — | $1 | 0.01% |
| AMY B CITRON3 Filed as: AMY CITRON | 1024 GRANADA AVENUE NASHVILLE, TN 37206 | AFLAC | $1 | — | $1 | 0.01% |
| ROGER MURRAY JOHNSON3 Filed as: ROGER JOHNSON | 1311 DECATUR CIRCLE FRANKLIN, TN 37067 | AFLAC | $1 | — | $1 | 0.01% |
| JAY OLEARY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $0 | $1 | $1 | 0.01% |
| AMERICAN INSURANCE MANAGEMENT INC3 | PO BOX 11595 JACKSON, TN 38308 | AFLAC | $455 | — | $455 | 7.00% |
| WILLIAM M GRAVES JR3 | PO BOX 11595 JACKSON, TN 38308 | AFLAC | $125 | — | $125 | 1.92% |
| ALICE APPLE3 | 135 WALNUT CREEK ROAD CORDOVA, TN 38018 | AFLAC | $105 | — | $105 | 1.62% |
| PHILLIP L DAGASTINO3 | 5301 PECAN GROVE LANE MEMPHIS, TN 38120 | AFLAC | $100 | — | $100 | 1.54% |
| ROBERT GOBLE3 | 1410 4TH STREET DRIVE NORTHWEST UNITE 208 HICKORY, NC 28601 | AFLAC | $40 | — | $40 | 0.62% |
| NATHAN A JONES3 | 406 SOUTH STRADLING ROAD MUNCIE, IN 47304 | AFLAC | $20 | — | $20 | 0.31% |
| JOSHUA LEE JONES3 | 18032 DEERCLIFF COURT GLENCOE, MO 63088 | AFLAC | $17 | — | $17 | 0.26% |
| BRENT L GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $6 | — | $6 | 0.09% |
| PAMELA W EZZELL3 Filed as: PAMELA EZZELL | 4066 HIGHLAND RIDGE ROAD BIRMINHAM, AL 35242 | AFLAC | $3 | — | $3 | 0.05% |
| JOSEPH LEDOUX3 | 2411 CARTER AVENUE NASHVILLE, TN 37206 | AFLAC | $1 | — | $1 | 0.02% |
| JAY OLEARY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 0.02% |
| AMERICAN INSURANCE MANAGEMENT INC3 | PO BOX 11595 JACKSON, TN 38308 | AFLAC | $49 | — | $49 | 6.98% |
| ALICE APPLE3 | 135 WALNUT CREEK ROAD CORDOVA, TN 38018 | AFLAC | $14 | — | $14 | 1.99% |
| PHILLIP L DAGASTINO3 | 5301 PECAN GROVE LANE MEMPHIS, TN 38120 | AFLAC | $13 | — | $13 | 1.85% |
| WILLIAM M GRAVES JR3 | PO BOX 11595 JACKSON, TN 38308 | AFLAC | $13 | — | $13 | 1.85% |
| ROBERT L GOBLE3 | 1410 4TH STREET DRIVE NORTHWEST UNIT 208 HICKORY, NC 28601 | AFLAC | $5 | — | $5 | 0.71% |
| WILLIAM J. LAMMEL3 Filed as: WILLIAM W DRAPER III | 5326 PANDA LANE MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| J AUSTIN BAKER3 | PO BOX 770941 MEMPHIS, TN 38117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | — | $0 | 0.00% |
| E SERV LIC3 Filed as: E SERV LLC | 8755 WILLOW TREE CIRCLE CORDOVA, TN 38018 | 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 | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 326 | $101K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 326 | $101K |
| Life insurance | USABLE LIFE | 192 | $186K |
| Short-term disability | USABLE LIFE | 192 | $186K |
| Long-term disability | USABLE LIFE | 192 | $186K |
| Stop-loss / reinsurancereinsurance | NATIONAL HEALTH INSURANCE COMPANY | 140 | $213K |
| Other(6 contracts, 4 carriers) | USABLE LIFE | 192 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.