| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD SHOEMAKER, JR.3 | 1324 DOWELL SPRINGS BLVD. KNOXVILLE, TN 37909 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $29K | — | $29K | 2.69% |
| MICHAEL CUNNINGHAM3 | 9729 COGDILL RD., SUITE 111 KNOXVILLE, TN 37932 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $29K | — | $29K | 2.69% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND FINANCIAL | 1095 AVENUE OF THE AMERICAS NEW YORK, NY 100366797 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 5.45% |
| JAMES CUNNINGHAM3 | 1324 DOWELL SPRINGS BLVD. KNOXVILLE, TN 379092453 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.55% |
| DARREL A SUMNER3 Filed as: DARREL SUMNER | 830 CRESCENT CENTRE DR. SUITE 450 FRANKLIN, TN 37067 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.47% |
| FREDERICK C SCHAEFFER3 Filed as: FREDERICK SCHAEFFER | 795 RIDGE LAKE BLVD, STE. 106 MEMPHIS, TN 38120 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.67% |
| CURTIS SHOEMAKER3 | 300 DAVIDSON AVE SOMERSET, NJ 088734175 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.56% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: METLIFE FINANCIAL/METLIFE SECURITY | 1095 AVENUE OF THE AMERICAS NEW YORK, NY 100366797 | METROPOLITAN LIFE INSURANCE COMPANY | — | $753 | $753 | 0.41% |
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 | 190 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 249 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE | 249 | $1.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 336 | $182K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 336 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.