| 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. | $20K | $0 | $20K | 2.98% |
| WILLIAM L. GLASS3 Filed as: WILLIAM BILLINGSLEY | 1910 EXETER ROAD SUITE 2 GERMANTOWN, TN 38138 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $6K | $0 | $6K | 0.93% |
| DAVIS BILLINGSLEY3 | 105 LOMAX STREET BATESVILLE, MS 38606 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $3K | $0 | $3K | 0.47% |
| PATRICK HOFFMAN3 | 1016 SURREY OAKS DRIVE COLLIERVILLE, TN 38017 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $3K | $13K | 17.89% |
| JEFFREY LOKKEN3 | 1004 ROME PIKE LEBANON, TN 37087 | COMBINED INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 3.74% |
| COMPREHENSIVE BENEFIT ADMINISTRATOR3 Filed as: COMPREHENSIVE WEALTH MANAGEMENT | 1910 EXETER ROAD SUITE 2 GERMANTOWN, TN 38138 | COMBINED INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 3.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 200 N. RANDOLPH CHICAGO, IL 60601 | COMBINED INSURANCE COMPANY OF AMERICA | $255 | $0 | $255 | 0.77% |
| WILLIAM L. GLASS3 Filed as: WILLIAM BILLINGSLEY | 1910 EXETER ROAD SUITE 2 GERMANTOWN, TN 38138 | JOHN HANCOCK | $933 | $0 | $933 | 4.34% |
| MILLENNIUM BENEFITS INSURANCE GROUP3 | 46 CHAGRIN PLAZA SUITE 103 CHAGRIN FALLS, OH 44022 | TRANSAMERICA LIFE INSURANCE COMPANY | $176 | $0 | $176 | 2.28% |
| GREGORY L VOGES3 Filed as: GREGORY L. VOGES | 897 12TH STREET HAMMONTON, NJ 08037 | TRANSAMERICA LIFE INSURANCE COMPANY | $69 | $0 | $69 | 0.89% |
| BANK OF BARTLETT3 | 6281 STAGE ROAD BARTLETT, TN 38134 | TRANSAMERICA LIFE INSURANCE COMPANY | $29 | $0 | $29 | 0.38% |
| PATRICK HOFFMAN3 | 1910 EXETER ROAD SUITE 2 GERMANTOWN, TN 38138 | VISION SERVICE PLAN | $591 | $0 | $591 | 8.67% |
| KENNETH CARPENTER3 | 671 WHEATLEY COVE COLLIERVILLE, TN 38017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 2.23% |
| MARK HOLLAND3 | P. O. BOX 38366 GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 2.23% |
| NATALIE YVONNE BAKER3 Filed as: NATALIE YVONEE BAKER | 9206 MACON ROAD CORDOVA, TN 38016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 2.09% |
| J AUSTIN BAKER3 Filed as: J. AUSTIN BAKER | P.O. BOX 770941 MEMPHIS, TN 38117 | 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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 146 | $666K |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 146 | $666K |
| Vision | VISION SERVICE PLAN | 65 | $7K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 279 | $112K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 279 | $71K |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 279 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.