| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN GREENBAUM3 | 160 FEDERAL ST 2ND FLOOR BOSTON, MA 02110 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $51K | — | $51K | 3.58% |
| CURTIS SHOEMAKER3 | 9729 COGDILL RD STE 101 KNOXVILLE, TN 37932 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $22K | — | $22K | 1.55% |
| MICHAEL CUNNINGHAM3 | 9729 COGDILL RD STE 111 KNOXVILLE, TN 37932 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $1K | — | $1K | 0.08% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 1086 TEANECK RD STE 5B TEANECK, NJ 07666 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 7.50% |
| DARREL A SUMNER3 Filed as: DARREL SUMNER | 830 CRESCENT CENTRE DR STE 450 FRANKLIN, TN 37067 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.39% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: METLIFE FINANCIAL/METLIFE SECURITIE | 1095 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.22% |
| CURTIS SHOEMAKER3 | 300 DAVIDSON AVE SOMERSET, NJ 08873 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.88% |
| JAMES CUNNINGHAM3 | 1324 DOWELL SPRINGS BLVD KNOXVILLE, TN 37909 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.84% |
| FREDERICK C SCHAEFFER3 Filed as: FREDERICK SCHAEFFER | 795 RIDGE LAKE BLVD MEMPHIS, TN 38120 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.55% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL ST FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | — | $646 | $646 | 0.34% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 8.97% |
| CURTIS E SHOEMAKER3 | ARCHLEY CUNNINGHAM AND SHOE 1324 DOWELLSPRINGS BLVD KNOXVILLE, TN 37909 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $794 | — | $794 | 1.03% |
| STRATEGIC FINANCIAL PARTNERS3 Filed as: STRATEGIC FINANCIAL PARTN | 949 SOUTH SHADY GROVE RD SUITE 300 MEMPHIS, TN 38120 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $771 | — | $771 | 1.00% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES M CUNNINGHAM | 1213 GETTYSVUE WAY KNOXVILLE, TN 37922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $771 | — | $771 | 1.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 9.18% |
| CURTIS E SHOEMAKER3 | ARCHLEY CUNNINGHAM SHOE 1324 DOWELLSPRINGS BLVD KNOXVILLE, TN 37909 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $262 | — | $262 | 0.96% |
| STRATEGIC FINANCIAL PARTNERS3 Filed as: STRATEGIC FINANCIAL PARTN | 949 SOUTH SHADY GROVE RD SUITE 300 MEMPHIS, TN 38120 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $255 | — | $255 | 0.93% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES M CUNNINGHAM | 1213 GETTYSVUE WAY KNOXVILLE, TN 37922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $255 | — | $255 | 0.93% |
| JULIA MICHELLE TAMER3 | 6500 PAPERMILL RD SUITE 106 KNOXVILLE, TN 37919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $417 | $48 | $465 | 7.19% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES M CUNNINGHAM | 1213 GETTYSVUE WAY KNOXVILLE, TN 37932 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $411 | — | $411 | 6.36% |
| CURTIS E SHOEMAKER JR3 Filed as: CURTIS E SHOEMAKER JR. | 7712 CEDARCREST RD KNOXVILLE, TN 37938 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $227 | — | $227 | 3.51% |
| JOSEPH M TAMER3 | 6500 PAPERMILL DR KNOXVILLE, TN 37919 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | $55 | $201 | 3.11% |
| MARY DAUGHERTY3 | 7625 STAR GAZING LANE KNOXVILLE, TN 37938 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.60% |
| DEBORAH PADGETT GREENWELL3 | 429 ASHLEY AVE PIGEON FORGE, TN 37863 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.19% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TN 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 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 | 199 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 281 | $1.4M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 281 | $1.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 327 | $192K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 62 | $27K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 124 | $77K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 327 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.