| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE CONSULTING GROUP INC | 4735 SPOTTSWOOD AVENUE, SUITE 204 MEMPHIS, TN 38117 | CIGNA HEALTHCARE | $6K | $39K | $45K | 6.34% |
| INSURANCE CONSULTING GROUP INC | 4735 SPOTTSWOOD AVENUE, SUITE 204 MEMPHIS, TN 38117 | CIGNA HEALTHCARE | $70K | — | $70K | 16.71% |
| STEVE RODGERS Filed as: STEVE A RODGERS | 4735 SPOTTSWOOD AVENUE, SUITE 204 MEMPHIS, TN 38117 | BLUECROSS BLUESHIELD OF TENNESSEE INC | $10K | — | $10K | 6.63% |
| SPF BENEFITS LLC | 949 SHADY GROVE RD. STE 300 MEMPHIS, TN 38120 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 14.71% |
| WALTER G GRANT | 15 AMESBURY COVE EAVS EADS, TN 38028 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 5.24% |
| INSURANCE CONSULTING GROUP INC | 4735 SPOTTSWOOD AVENUE, SUITE 204 MEMPHIS, TN 38117 | USABLE LIFE | $1K | — | $1K | 13.77% |
| GROUP INSURANCE SERVICES INC Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $483 | — | $483 | 6.43% |
| NONE | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
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 | 212 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTHCARE | 172 | $1.3M |
| Dental(3 contracts, 2 carriers) | CIGNA HEALTHCARE | 172 | $1.3M |
| Vision(3 contracts, 2 carriers) | CIGNA HEALTHCARE | 172 | $1.3M |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 116 | $59K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 101 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.