| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN A RODGERS3 | 4735 SPOTTSWOOD AVENUE, SUITE 204 MEMPHIS, TN 38117 | BLUECROSS BLUESHIELD OF TENNESSEE INC | $36K | — | $36K | 4.45% |
| STEVEN A RODGERS3 | 4735 SPOTTSWOOD AVENUE, SUITE 204 MEMPHIS, TN 38117 | BLUECROSS BLUESHIELD OF TENNESSEE INC | $29K | — | $29K | 3.93% |
| INSURANCE CONSULTING GROUP INC3 Filed as: INSURANCE CONSULTING GROUP | 4735 SPOTTSWOOD AVENUE, SUITE 204 MEMPHIS, TN 38117 | DELTA DENTAL OF TENNESSEE | $6K | — | $6K | 10.00% |
| STRATEGIC FINANCIAL PARTNERS3 Filed as: STRATEGIC FINANCIAL PARTNERS LLC | 949 SHADY GROVE RD. STE 300 MEMPHIS, TN 38120 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| STRATEGIC FINANCIAL PARTNERS3 | 949 SHADY GROVE RD. STE 300 MEMPHIS, TN 38120 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| SPF BENEFITS LLC3 | 949 SHADY GROVE RD. STE 300 MEMPHIS, TN 38120 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 6.39% |
| WALTER G GRANT3 | 15 AMESBURY COVE EAVS EADS, TN 38028 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 6.39% |
| INSURANCE CONSULTING GROUP INC3 Filed as: INSURANCE CONSULTING GROUP | 4735 SPOTTSWOOD AVENUE, SUITE 204 MEMPHIS, TN 38117 | FIRST CONTINENTAL LIFE AND ACCIDENT INSURANCE CO | $753 | — | $753 | 20.99% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 177 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUECROSS BLUESHIELD OF TENNESSEE INC | 175 | $1.6M |
| Dental(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE INC | 184 | $876K |
| Vision(2 contracts) | BLUECROSS BLUESHIELD OF TENNESSEE INC | 175 | $1.6M |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 71 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 71 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.
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.