| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEAN FX GLEASON LLC3 Filed as: SEAN L BERRY | 606 S MENDENHALL RD STE 200 MEMPHIS, TN 38117 | BLUECROSS BLUESHIELD OF TENNESSEE | $26K | $0 | $26K | 5.43% |
| RICHARD G MCGOWAN3 Filed as: RICHARD M KCKINLEY | 2670 UNION AVE EXT STE 200 MEMPHIS, TN 38112 | BLUECROSS BLUESHIELD OF TENNESSEE | $10K | $0 | $10K | 2.00% |
| SEAN FX GLEASON LLC3 Filed as: SEAN L BERRY | — | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $7K | $0 | $7K | 10.75% |
| RICHARD G MCGOWAN3 Filed as: RICHARD M KCKINLEY | — | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $2K | $0 | $2K | 3.32% |
| JONATHAN L PENNINGTON3 | 1154 RAVENNA CV COLLIERVILLE, TN 38017 | AFLAC | $2K | $332 | $2K | 6.21% |
| CORTNEY LEIGH SANDRIDGE3 | 5061 EAGLES NEST LN ARLINGTON, TN 38002 | AFLAC | $2K | $222 | $2K | 5.87% |
| AMANDA SARGENT3 | 3685 COLLEGE BLF OLIVE BRANCH, MS 38654 | AFLAC | $1K | $76 | $1K | 3.39% |
| WILLIAM T GANT3 | 117 HILLSONG LN BRIGHTON, TN 38011 | AFLAC | $1K | $76 | $1K | 2.97% |
| CATHERINE H EDWARDS3 | 368 FOUNTAIN LAKE DR MEMPHIS, TN 38120 | AFLAC | $881 | $0 | $881 | 2.22% |
| BELINDA JEAN LEGGETT3 | 93 GEORGE ELLIS DR MUNFORD, TN 38058 | AFLAC | $172 | $0 | $172 | 0.43% |
| COREY A BRANAM3 | 51 N EAST YATES RD MEMPHIS, TN 38120 | AFLAC | $163 | $0 | $163 | 0.41% |
| CAROLYN H BOLIN3 | 5284 SUMMER WIND LN ARLINGTON, TN 38002 | AFLAC | $120 | $0 | $120 | 0.30% |
| TODD R EATON3 | 6971 HEARTHSIDE CV MEMPHIS, TN 38119 | AFLAC | $117 | $0 | $117 | 0.29% |
| TIMOTHY J REED3 Filed as: TIMOTHY S INGRAM | 1731 MOUNT ZION RD JACKSONVILLE, IL 62650 | AFLAC | $66 | $0 | $66 | 0.17% |
| MICHAEL GRIFFIN MARSHALL3 | 5100 POPLAR AVE STE 310 MEMPHIS, TN 38137 | AFLAC | $39 | $0 | $39 | 0.10% |
| DEBORAH WALKER HULETTE3 | 115 CARRIAGE CV EADS, TN 38028 | AFLAC | $38 | $0 | $38 | 0.10% |
| QUINTON J MILES3 | PO BOX 22434 CHARLESTON, SC 29413 | AFLAC | $36 | $0 | $36 | 0.09% |
| KIMBERLY MURRAY3 Filed as: KIMBERLY NICOLE MURRAY | 8949 POPLAR PIKE GERMANTOWN, TN 38138 | AFLAC | $31 | $0 | $31 | 0.08% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DR NORWALK, IA 50211 | AFLAC | $28 | $0 | $28 | 0.07% |
| WHITE & ASSOCIATES3 Filed as: WHITE & ASSOC INC | 220 N MAIN AVE STE G100 DYERSBURG, TN 38024 | AFLAC | $25 | $0 | $25 | 0.06% |
| CODY BRIAN WHITEHEAD3 | 32 HALE FARM RD HUMBOLDT, TN 38343 | AFLAC | $22 | $0 | $22 | 0.06% |
| KATHRYN SUZANNE AXENTE3 | 7020 PELICAN ISLAND DR TAMPA, FL 33634 | AFLAC | $22 | $0 | $22 | 0.06% |
| LAUREN S GREENE3 | 436D COUNTY ROAD 57 DENNIS, MS 38838 | AFLAC | $13 | $0 | $13 | 0.03% |
| SANDRA K BASS VAVRUNEK3 | PO BOX 236 MOOREVILLE, MS 38857 | AFLAC | $11 | $0 | $11 | 0.03% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL RD STE 200 MEMPHIS, TN 38117 | AFLAC | $10 | $0 | $10 | 0.03% |
| CHARLES HARTHUN3 Filed as: CHARLES BRYAN HARTHUN | 419 TYLER TRL JAMESTOWN, TN 38556 | AFLAC | $9 | $0 | $9 | 0.02% |
| BENNY W STENNETT3 | 5 COUNTY ROAD 230 CORINTH, MS 38834 | AFLAC | $8 | $0 | $8 | 0.02% |
| TIMOTHY CLENNEY3 | 267 RAMBLEWOOD DR JACKSON, TN 38305 | AFLAC | $7 | $0 | $7 | 0.02% |
| MELISSA A MASK3 | 1570 COUNTY ROAD 624 RIPLEY, MS 38663 | AFLAC | $5 | $0 | $5 | 0.01% |
| JENNIFER C BOREK3 | 11612 BOLLINGER LN LAS VEGAS, NV 89141 | AFLAC | $4 | $0 | $4 | 0.01% |
| KENNETH ELDRED3 Filed as: KENNETH BRADLY ELDRED | 611 BELMONT ESTATES DR HERNANDO, MS 38632 | AFLAC | $4 | $0 | $4 | 0.01% |
| JAMES D STEPHENS3 | 26710 MANDRAKE FALLS CT KATY, TX 77494 | AFLAC | $3 | $0 | $3 | 0.01% |
| JOSHUA LEE JONES3 | 2253 PINOT BLANC NEW BRAUNFELS, TX 78132 | AFLAC | $3 | $0 | $3 | 0.01% |
| MP JONES & ASSOCIATES3 | 13846 ATLANTIC BLVD APT 101 JACKSONVILLE, FL 32225 | AFLAC | $2 | $0 | $2 | 0.01% |
| TAMI S GILL3 | 53 MICHELLE DR BRIGHTON, TN 38011 | AFLAC | $2 | $0 | $2 | 0.01% |
| JAY S OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $1 | $0 | $1 | 0.00% |
| VBTN, INC3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $1 | $0 | $1 | 0.00% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $1 | $0 | $1 | 0.00% |
| RANDALL D LADNER3 | 18 53RD CIR GULFPORT, MS 39507 | AFLAC | $1 | $0 | $1 | 0.00% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL RD STE 200 MEMPHIS, TN 38117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $184 | $3K | 12.09% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXT STE 200 MEMPHIS, TN 38112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $822 | $0 | $822 | 3.75% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL RD STE 200 MEMPHIS, TN 38117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $172 | $3K | 12.09% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXT STE 200 MEMPHIS, TN 38112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $777 | $0 | $777 | 3.74% |
| JAS D COLLIER & CO3 | 606 S MENDENHALL RD STE 200 MEMPHIS, TN 38117 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $160 | $2K | 12.08% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVE EXT STE 200 MEMPHIS, TN 38112 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $722 | $0 | $722 | 3.75% |
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 |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE | 108 | $479K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 239 | $67K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 239 | $67K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $19K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 76 | $22K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $21K |
| Other(2 contracts, 2 carriers) | AFLAC | 163 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.