| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARVEY INSURANCE RESOURCES3 Filed as: HARVEY INSURANCE RESOURCES LLC | 855 WILLOW TREE CIRCLE, STE. 201 CORDOVA, TN 38018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $61K | — | $61K | 13.07% |
| HARVEY INSURANCE RESOURCES3 Filed as: HARVEY INSURANCE RESOURCES LLC | 855 WILLOW TREE CIRCLE, STE. 201 CORDOVA, TN 38018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | — | $11K | 2.42% |
| HARVEY INSURANCE RESOURCES3 | 855 WILLOW TREE CIRCLE, STE. 201 CORDOVA, TN 38018 | DELTA DENTAL OF TENNESSEE | $13K | — | $13K | 6.50% |
| JOEL W. HARVEY3 | 855 WILLOW TREE CIRCLE, STE. 201 CORDOVA, TN 38018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.96% |
| JOEL W. HARVEY3 | 855 WILLOW TREE CIRCLE, STE. 201 CORDOVA, TN 38018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 14.58% |
| FREDERIC C. SCHAFFER, JR.3 Filed as: FREDERIC C SCHAEFFER JR | PO BOX 171368 MEMPHIS, TN 38187 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.99% |
| JOEL W. HARVEY3 | 855 WILLOW TREE CIRCLE, STE. 201 CORDOVA, TN 38018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.02% |
| FREDERIC C. SCHAFFER, JR.3 Filed as: FREDERIC C SCHAEFFER JR | PO BOX 171368 MEMPHIS, TN 38187 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $605 | — | $605 | 1.49% |
| HARVEY INSURANCE RESOURCES3 Filed as: HARVEY INSURANCE RESOURCES LLC | 855 WILLOW TREE CIRCLE, STE. 201 CORDOVA, TN 380183120 | VISION SERVICE PLAN | $1K | — | $1K | 5.17% |
| JOEL W. HARVEY3 | 855 WILLOW TREE CIRCLE, STE. 201 MEMPHIS, TN 38018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $887 | — | $887 | 10.00% |
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 | 387 | 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) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 674 | $469K |
| Dental | DELTA DENTAL OF TENNESSEE | 574 | $196K |
| Vision | VISION SERVICE PLAN | 255 | $23K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 546 | $66K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 169 | $55K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 341 | $41K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 674 | $469K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 546 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 674 | — |
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.