| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICK W HOFFMAN3 | 1910 EXETER ROAD STE 2 GERMANTOWN, TN 38138 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $46K | $0 | $46K | 5.00% |
| PATRICK HOFFMAN3 | 1910 EXETER RD STE 2 GERMANTOWN, TN 38138 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $0 | $23K | 13.31% |
| CHARLES D. BLOCK3 Filed as: CHARLES SUMMERS | — | COMBINED INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.69% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE WEALTH MGMT | — | COMBINED INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 3.52% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH BLAIR | — | COMBINED INSURANCE COMPANY OF AMERICA | $103 | $0 | $103 | 0.30% |
| AON CONSULTING INC3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $60 | $0 | $60 | 0.18% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE WEALTH MGMT | 1910 EXETER ROAD SUITE 2 GERMANTOWN, TN 38138 | JOHN HANCOCK | $313 | $0 | $313 | 1.32% |
| PATRICK HOFFMAN3 | 1910 EXETER ROAD STE 2 GERMANTOWN, TN 38138 | VISION SERVICE PLAN | $762 | $0 | $762 | 7.37% |
| MILLENNIUM BENEFITS INSURANCE GROUP3 | 46 CHAGRIN PLAZA SUITE 103 CHAGRIN FALLS, OH 44022 | TRANSAMERICA LIFE INSURANCE COMPANY | $84 | $0 | $84 | 1.44% |
| GREGORY L VOGES3 | 897 12TH STREET HAMMONTON, NJ 08037 | TRANSAMERICA LIFE INSURANCE COMPANY | $58 | $0 | $58 | 0.99% |
| BANK OF BARTLETT3 | 6281 STAGE ROAD BARTLETT, TN 38134 | TRANSAMERICA LIFE INSURANCE COMPANY | $24 | $0 | $24 | 0.41% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 1.53% |
| KENNETH CARPENTER3 | 671 WHEATLEY COVE COLLIERVILLE, TN 38017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 1.53% |
| J AUSTIN BAKER3 | 495 TENNESSEE ST UNIT 701 MEMPHIS, TN 38103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.28% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 98 | $910K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $172K |
| Vision | VISION SERVICE PLAN | 78 | $10K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $212K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $172K |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.