| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDOVA HEALTHCARE5 | 345 N. RIVERVIEW STE 600 WICHITA, KS 67203 | AMERICAN NATIONAL INSURANCE COMPANY | — | $158K | $158K | 31.17% |
| NGMS OF MEMPHIS3 | 1770 KIRBY PARKWAY STE 400 MEMPHIS, TN 38138 | AMERICAN NATIONAL INSURANCE COMPANY | $69K | — | $69K | 13.67% |
| PHCS3 Filed as: MULTIPLAN INC. - PHCS | PO BOX 29380 GENERAL POST OFFICE NEW YORK, NY 10087 | AMERICAN NATIONAL INSURANCE COMPANY | — | $26K | $26K | 5.04% |
| LIFESTYLE HEALTH ADVISORS3 | 29 GEORGETOWN COVE JACKSON, TN 38305 | AMERICAN NATIONAL INSURANCE COMPANY | $23K | — | $23K | 4.48% |
| HEALTH PARTNERS3 | PO BOX 3490 JACKSON, TN 38303 | AMERICAN NATIONAL INSURANCE COMPANY | — | $18K | $18K | 3.55% |
| MEDCOM UTILIZATION MANAGEMENT3 | 2100 COVINGTON CENTRE COVINGTON, LA 70433 | AMERICAN NATIONAL INSURANCE COMPANY | — | $5K | $5K | 0.98% |
| NFMS OF MEMPHIS LLC3 | 1770 KIRBY PRKWAY STE 400 MEMPHIS, TN 38138 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $1K | $17K | 12.70% |
| NORTHWESTERN GROUP MARKETING SVCS3 | 1770 KIRBY PKWY STE 400 MEMPHIS, TN 38138 | AMERITAS LIFE INSURANCE CORP | $11K | — | $11K | 10.00% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $14K | — | $14K | 15.00% |
| NORTHWESTERN GROUP MARKETING3 Filed as: NORTHWESTERN GROUP MARKETING SERVIC | 1770 KIRBY PARKWAY SUITE 400 MEMPHIS, TN 38138 | USABLE LIFE | $14K | — | $14K | 15.00% |
| GTL & ASSOCIATES3 | 6729 SUGAR HILL DRIVE NASHVILLE, TN 37211 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | — | $16K | 26.56% |
| LORI R GRIZZELL3 | 2319 BELLEVUE COURT BOWLING GREEN, KY 42101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.36% |
| CHARLES HARTHUN3 | 1577 LAWSON ROAD CROSSVILLE, TN 38571 | CONTINENTAL AMERICAN INSURANCE COMPANY | $458 | — | $458 | 0.75% |
| MATTHEW SMITH3 Filed as: MATTHEW A SMITH | 218 HERMITAGE BLVD OAK RIDGE, TN 37830 | CONTINENTAL AMERICAN INSURANCE COMPANY | $338 | — | $338 | 0.55% |
| TIMOTHY CLENNEY3 | PO BOX 562 PARSONS, TN 38363 | CONTINENTAL AMERICAN INSURANCE COMPANY | $104 | — | $104 | 0.17% |
| CODY B WHITEHEAD3 | 22 COTTON BLOSSOM CV JACKSON, TN 38305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.03% |
| WHITE & ASSOCIATES3 | 220 NORTH MAIN DYERSBURG, TN 38024 | COLONIAL LIFE | $496 | — | $496 | 2.55% |
| LINDA R MARCUM3 | 3339 N HIGHLAND AVE JACKSON, TN 38305 | COLONIAL LIFE | $166 | — | $166 | 0.85% |
| JOSEPH L GREENE3 Filed as: JOSEPH L. GREENE | 7443 POPLAR PIKE GERMANTOWN, TN 38138 | COLONIAL LIFE | $154 | $6 | $160 | 0.82% |
| JOHN R JOHN3 | 948 REDDOCH COVE MEMPHIS, TN 38119 | COLONIAL LIFE | $114 | $4 | $118 | 0.61% |
| J SHANNON SHEPPARD3 | 4279 MELWOOD OAK DRIVE LAKELAND, TN 38002 | COLONIAL LIFE | $100 | $2 | $102 | 0.52% |
| ROBERT E HIGDON3 | 1016 VENUS DRIVE LAWRENCEBURG, KY 40342 | COLONIAL LIFE | $90 | — | $90 | 0.46% |
| BETTY C HAYNES3 | 3339 N HIGHLAND AVE JACKSON, TN 38305 | COLONIAL LIFE | $42 | — | $42 | 0.22% |
| KENNETH CARPENTER3 | 671 WHEATLEY COVE COLLIERVILLE, TN 38017 | COLONIAL LIFE | $24 | — | $24 | 0.12% |
| MARK HOLLAND3 | P.O. BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE | $10 | — | $10 | 0.05% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 246 | $133K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 246 | $133K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 246 | $153K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 246 | $133K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 246 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.