| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVE RODGERS3 | 4735 SPOTTSWOOD AVENUE, SUITE 204 MEMPHIS, TN 38117 | BLUECROSS BLUESHIELD OF TENNESSEE INC | $36K | — | $36K | 5.17% |
| STEVE RODGERS3 | 4735 SPOTTSWOOD AVENUE, SUITE 204 MEMPHIS, TN 38117 | COMPANION LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| STEVEN A RODGERS3 | 4735 SPOTTSWOOD AVENUE, SUITE 204 MEMPHIS, TN 38117 | FIRST CONTINENTAL LIFE AND ACCIDENT INSURANCE CO | $4K | — | $4K | 10.00% |
| WALTER G GRANT3 | 6070 POPLAR AVE STE 500 MEMPHIS, TN 381193902 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $253 | — | $253 | 1.09% |
| STRATEGIC FINANCIAL PARTNERS3 | 795 RIDGELAKE BLVD #200 MEMPHIS, TN 381209475 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $253 | — | $253 | 1.09% |
| STRATEGIC FINANCIAL PARTNERS3 | 795 RIDGELAKE BLVD #200 MEMPHIS, TN 381209475 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.29% |
| WALTER G GRANT3 | 6070 POPLAR AVE STE 500 MEMPHIS, TN 381193902 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $252 | — | $252 | 1.71% |
| WALTER G GRANT3 | 15 AMESBURY COVE EAVS EADS, TN 38028 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 7.50% |
| SPF BENEFITS LLC3 | 795 RIDGELAKE BLVD #200 MEMPHIS, TN 38120 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 7.50% |
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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE INC | 124 | $689K |
| Dental | FIRST CONTINENTAL LIFE AND ACCIDENT INSURANCE CO | 93 | $35K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE INC | 124 | $689K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 69 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 69 | $23K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 66 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.