| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOEL W. HARVEY3 | 855 WILLOW TREE CIRCLE, STE. 201 CORDOVA, TN 38018 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $87K | — | $87K | 2.98% |
| HARVEY INSURANCE RESOURCES3 | 855 WILLOW TREE CIRCLE, STE. 201 CORDOVA, TN 38018 | DELTA DENTAL OF TENNESSEE | $14K | — | $14K | 6.50% |
| HARVEY INSURANCE RESOURCES3 | 855 WILLOW TREE CIRCLE, STE. 201 CORDOVA, TN 38018 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 6.00% |
| JOEL W. HARVEY3 | 855 WILLOW TREE CIRCLE, STE. 201 CORDOVA, TN 38018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 4.98% |
| JOEL W. HARVEY3 | 855 WILLOW TREE CIRCLE, STE. 201 CORDOVA, TN 38018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 10.00% |
| FREDERIC C. SCHAFFER, JR.3 Filed as: FREDERIC C. SCHAEFFER JR | PO BOX 171368 MEMPHIS, TN 38187 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$4K | — | -$4K | -5.23% |
| JOEL W. HARVEY3 | 855 WILLOW TREE CIRCLE, STE. 201 CORDOVA, TN 38018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 5.00% |
| FREDERIC C. SCHAFFER, JR.3 Filed as: FREDERIC C. SCHAEFFER JR | PO BOX 171368 MEMPHIS, TN 38187 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$1K | — | -$1K | -2.70% |
| HARVEY INSURANCE RESOURCES3 Filed as: HARVEY INSURANCE RESOURCES LLC | 855 WILLOW TREE CIRCLE, STE. 201 CORDOVA, TN 380183120 | VISION SERVICE PLAN | $1K | — | $1K | 4.88% |
| JOEL W. HARVEY3 | 855 WILLOW TREE CIRCLE, STE. 201 MEMPHIS, TN 38018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 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 | 384 | 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) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 737 | $2.9M |
| Dental | DELTA DENTAL OF TENNESSEE | 623 | $219K |
| Vision | VISION SERVICE PLAN | 291 | $27K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 365 | $87K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 216 | $80K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 381 | $156K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 365 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 737 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.