| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL ROBERSON3 | 2670 UNION AVENUE, SUITE 100 MEMPHIS, TN 38112 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $15K | $0 | $15K | 3.82% |
| DAVID M CRUMLEY3 Filed as: DAVID DRUMMOND | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $5K | $0 | $5K | 1.18% |
| LARISSA L. BARTON3 | 81 STONEBRIDGE BOULEVARD JACKSON, TN 38305 | NORTHWESTERN MUTUAL | $3K | $683 | $3K | 17.41% |
| RAY L. DUNN3 | 81 STONEBRIDGE BOULEVARD JACKSON, TN 38305 | NORTHWESTERN MUTUAL | $271 | $97 | $368 | 1.89% |
| MEEKS FINANCIAL GROUP LLC3 | 1770 KIRBY PARKWAY, SUITE 400 MEMPHIS, TN 38138 | NORTHWESTERN MUTUAL | $271 | $33 | $304 | 1.56% |
| HAZEL G JOHNSON3 Filed as: HAZEL G. JOHNSON | 67 ROCKWOOD DRIVE JACKSON, TN 38305 | AFLAC | $498 | $0 | $498 | 3.75% |
| CHAD LEONARD JOHNSON3 | 194 WILLOWRIDGE CIRCLE JACKSON, TN 38305 | AFLAC | $457 | $0 | $457 | 3.44% |
| DORAH ELIZABETH JOHNSON3 Filed as: DORAH JOHNSON AND OTHER AGENTS | 584 WAYNESBORO HIGHWAY WAYNSEBORO, TN 38485 | AFLAC | $296 | $0 | $296 | 2.23% |
| DARIAN NULL3 | 248 GROOM AVENUE COVINGTON, TN 38019 | AFLAC | $165 | $0 | $165 | 1.24% |
| STEVEN BREWER3 Filed as: STEVEN W. BREWER | 1081 GROVERS ROAD PIKEVILLE, TN 37367 | AFLAC | $145 | $0 | $145 | 1.09% |
| CHARLES HARTHUN3 Filed as: CHARLES BRYAN HARTHUN | 419 TYLER TRAIL JAMESTOWN, TN 38556 | AFLAC | $98 | $0 | $98 | 0.74% |
| TIMOTHY CLENNEY3 | 267 RAMBLEWOOD DRIVE JACKSON, TN 38305 | AFLAC | $87 | $0 | $87 | 0.65% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $1K | $0 | $1K | 15.00% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB AND PITTS INSURANCE LLC | 2670 UNION AVENUE, SUITE 200 MEMPHIS, TN 38112 | USABLE LIFE | $744 | $0 | $744 | 8.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD, FLOOR 14 CHICAGO, IL 60604 | USABLE LIFE | $651 | $0 | $651 | 7.00% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 131 | $384K |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 131 | $384K |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 131 | $384K |
| Life insurance | USABLE LIFE | 60 | $9K |
| Long-term disability | NORTHWESTERN MUTUAL | 123 | $19K |
| Other(3 contracts, 3 carriers) | AFLAC | 115 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.