| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN GREENBAUM3 | 160 FEDERAL ST BOSTON, MA 02110 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $86K | $86K | 5.71% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 1086 TEANECK RD STE 5B TEANECK, NJ 07666 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | — | $25K | 11.14% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PKWY W STE 320 BLDG 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 4.97% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $796 | $796 | 0.36% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $89 | $89 | 0.04% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 12.00% |
| EMERSON REID LLC5 | ONE INTERNATIONAL PLAZA SUITE 400 PHILADELPHIA, PA 19113 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 12.00% |
| EMERSON REID LLC5 | ONE INTERNATIONAL PLAZA SUITE 400 PHILADELPHIA, PA 19113 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 2ND FL BOSTON, MA 02110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $836 | $130 | $966 | 8.66% |
| MCO PARTNERS LLC3 | 315 WEST 39TH ST STE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $352 | $226 | $578 | 5.18% |
| MARY DAUGHERTY3 | 7108 WEST CHERMONT CIRCLE KNOXVILLE, TN 37918 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $200 | $87 | $287 | 2.57% |
| ERC OF NY, INC.3 Filed as: ERC OF NY | 350 5TH AVENUE NEW YORK, NY 10118 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $248 | — | $248 | 2.22% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES M CUNNINGHAM | 1213 GETTYSVUE WAY KNOXVILLE, TN 37932 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $199 | — | $199 | 1.78% |
| YOLANDA TRISTANCHO-HELWIG3 Filed as: YOLANDA TRISTANCHO HELWIG | 449 CENTRAL AVE SAINT PETERSBURG, FL 33701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | $15 | $147 | 1.32% |
| ANNE CUVIELLO3 | 393 TENNESSEE ST #1 MEMPHIS, TN 38103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | — | $110 | 0.99% |
| CURTIS E SHOEMAKER3 | 7712 CEDARCREST RD KNOXVILLE, TN 37938 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 0.98% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | $2 | $106 | 0.95% |
| JM TAMER & CO3 Filed as: JM TAMER & GO | 6500 PAPERMILL DR STE 201 KNOXVILLE, TN 37922 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $8 | $74 | 0.66% |
| JULIA MICHELLE TAMER3 | 6500 PAPERMILL DR STE 201 KNOXVILLE, TN 37922 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.23% |
| DEBORAH PADGETT GREENWELL3 | 429 ASHLEY AVE PIGEON FORGE, TN 37863 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.13% |
| ROGERS BENEFIT GROUP INC3 Filed as: JIMMY RAY ROGERS | 754 HEATHER LAKE DR KNOXVILLE, TN 38017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $5 | $10 | 0.09% |
| GREG GRIFFITH3 | 752 WALNUT KNOLL LANE CORDOVA, TN 38018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $4 | $9 | 0.08% |
| MARK CHRISTOPHER HOLLAND3 | PO BOX 38366 GERMANTOWN, TX 38183 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 285 | $1.5M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 285 | $1.5M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 285 | $1.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 339 | $224K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 67 | $29K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 127 | $83K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 339 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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.