| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL ROBERSON3 Filed as: DANIEL S ROBERSON | 2670 UNION AVE EXT STE 100 MEMPHIS, TN 38112 | BLUECROSS BLUESHIELD OF TENNESSEE INC | $20K | $0 | $20K | 5.16% |
| CHAD LEONARD JOHNSON3 Filed as: CHAD JOHNSON | 194 WILLOWRIDGE CIR JACKSON, TN 38305 | AFLAC | $1K | $0 | $1K | 6.90% |
| HAZEL G JOHNSON3 Filed as: HAZEL JOHNSON | 67 ROCKWOOD DR JACKSON, TN 38305 | AFLAC | $1K | $0 | $1K | 5.37% |
| DARIAN NULL3 | 248 GROOM AVE COVINGTON, TN 38019 | AFLAC | $363 | $0 | $363 | 1.83% |
| TIMOTHY CLENNEY3 | 267 RAMBLEWOOD DR JACKSON, TN 38305 | AFLAC | $234 | $0 | $234 | 1.18% |
| STEVEN BREWER3 | 1007 CHARIOT DR SODDY DAISY, TN 37379 | AFLAC | $220 | $0 | $220 | 1.11% |
| CHARLES HARTHUN3 | 419 TYLER TRL JAMESTOWN, TN 38556 | AFLAC | $159 | $0 | $159 | 0.80% |
| DORAH ELIZABETH JOHNSON3 Filed as: DORAH JOHNSON | 584 WAYNESBORO HWY WAYNESBORO, TN 38485 | AFLAC | $113 | $0 | $113 | 0.57% |
| MILTON E WUERTZ3 Filed as: MILTON WUERTZ | 467 CUBA HOLLOW LN WAVERLY, TN 37185 | AFLAC | $79 | $0 | $79 | 0.40% |
| LARISSA L. BARTON3 Filed as: LARISSA L BARTON | 81 STONEBRIDGE BLVD JACKSON, TN 38305 | NORTHWESTERN MUTUAL | $3K | $639 | $3K | 17.78% |
| RAY L. DUNN3 Filed as: RAY L DUNN | 81 STONEBRIDGE BLVD JACKSON, TN 38305 | NORTHWESTERN MUTUAL | $254 | $91 | $345 | 1.93% |
| MEEKS FINANCIAL GROUP LLC3 Filed as: MEEKS FNCL GRP LLC | FORUM III 1770 KIRBY PKWY STE 400 MEMPHIS, TN 38138 | NORTHWESTERN MUTUAL | $254 | $30 | $284 | 1.59% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB & PITTS INS LLC | 2670 UNION AVE EXT STE 100 MEMPHIS, TN 38112 | USABLE LIFE | $1K | $0 | $1K | 15.00% |
| GROUP INS AGENCY INC3 Filed as: GROUP INS SERVICES INC | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | $0 | $1K | 15.00% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE INC | 109 | $385K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE INC | 109 | $385K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE INC | 109 | $385K |
| Life insurance | USABLE LIFE | 57 | $8K |
| Long-term disability | NORTHWESTERN MUTUAL | 123 | $18K |
| Other(2 contracts, 2 carriers) | AFLAC | 57 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.