| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICK HOFFMAN3 | 1016 SURREY OAKS DRIVE COLLIERVILLE, TN 38017 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $23K | $0 | $23K | 4.16% |
| WILLIAM L. GLASS3 Filed as: WILLIAM BILLINGSLEY | 1910 EXETER ROAD SUITE 2 GERMANTOWN, TN 38138 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $4K | $0 | $4K | 0.82% |
| DAVIS BILLINGSLEY3 | 105 LOMAX STREET BATESVILLE, MS 38606 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $2K | $0 | $2K | 0.41% |
| JEFFREY LOKKEN3 | 1004 ROME PIKE LEBANON, TN 37087 | COMBINED INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 7.80% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE WEALTH MANAGEMENT | 1910 EXETER ROAD SUITE 2 GERMANTOWN, TN 38138 | COMBINED INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.92% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 200 N. RANDOLPH CHICAGO, IL 60601 | COMBINED INSURANCE COMPANY OF AMERICA | $480 | $0 | $480 | 0.68% |
| PATRICK HOFFMAN3 | 1016 SURREY OAKS DRIVE COLLIERVILLE, TN 38017 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 10.50% |
| WILLIAM L. GLASS3 Filed as: WILLIAM BILLINGSLEY | 1910 EXETER ROAD SUITE 2 GERMANTOWN, TN 38138 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 3.00% |
| DAVIS BILLINGSLEY3 | 1910 EXETER ROAD SUITE 2 GERMANTOWN, TN 38138 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $636 | $0 | $636 | 1.50% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $35 | $35 | 0.08% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE WEALTH MANAGEMENT | 1910 EXETER ROAD SUITE 2 GERMANTOWN, TN 38138 | JOHN HANCOCK | $3K | — | $3K | 10.10% |
| MILLENNIUM BENEFITS INSURANCE GROUP3 | 46 CHAGRIN PLAZA SUITE 103 CHAGRIN FALLS, OH 44022 | TRANSAMERICA LIFE INSURANCE COMPANY | $176 | $0 | $176 | 2.02% |
| GREGORY L VOGES3 Filed as: GREGORY L. VOGES | 897 12TH STREET HAMMONTON, NJ 08037 | TRANSAMERICA LIFE INSURANCE COMPANY | $69 | $0 | $69 | 0.79% |
| BANK OF BARTLETT3 | 6281 STAGE ROAD BARTLETT, TN 38134 | TRANSAMERICA LIFE INSURANCE COMPANY | $29 | $0 | $29 | 0.33% |
| PATRICK HOFFMAN3 | 1910 EXETER ROAD SUITE 2 GERMANTOWN, TN 38138 | VISION SERVICE PLAN | $603 | $0 | $603 | 8.55% |
| NATALIE YVONNE BAKER3 Filed as: NATALIE YVONEE BAKEER | 9206 MACON ROAD CORDOVA, TN 38016 | COLONIAL LIFE & ACCIDENT INSURANCECOMPANY | $30 | $0 | $30 | 1.27% |
| KENNETH CARPENTER3 | 671 WHEATLEY COVE COLLIERVILLE, TN 38017 | COLONIAL LIFE & ACCIDENT INSURANCECOMPANY | $23 | $0 | $23 | 0.98% |
| MARK HOLLAND3 | P. O. BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCECOMPANY | $23 | $0 | $23 | 0.98% |
| J AUSTIN BAKER3 Filed as: J. AUSTIN BAKER | P.O. BOX 770941 MEMPHIS, TN 38117 | COLONIAL LIFE & ACCIDENT INSURANCECOMPANY | $4 | $0 | $4 | 0.17% |
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 | 94 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 149 | $548K |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 149 | $548K |
| Vision | VISION SERVICE PLAN | 64 | $7K |
| Life insurance | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 94 | $42K |
| Long-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 94 | $42K |
| Other(4 contracts, 4 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 47 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.