| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WENDELL DYSON3 | 866 RIDGEWAY LOOP ROAD #200 MEMPHIS, TN 38120 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $63K | — | $63K | 6.27% |
| JAMES D. COLLIER & COMPANY3 Filed as: JAMES D COLLIER, III | 606 SOUTH MENDENHALL STE 300 MEMPHIS, TN 38117 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $62 | — | $62 | 0.01% |
| CLAY & LAND COMPANIES3 Filed as: CLAY AND LAND INSURANCE | 866 RIDGEWAY LOOP ROAD STE 102 MEMPHIS, TN 38120 | PACIFIC LIFE & ANNUITY COMPANY | $10K | $4K | $14K | 10.99% |
| BENEFITS CONSULTING GROUP OF TN3 | 6240 POPLAR AVE. MEMPHIS, TN 38119 | PACIFIC LIFE & ANNUITY COMPANY | $8K | — | $8K | 6.03% |
| CLAY & LAND COMPANIES3 Filed as: CLAY AND LAND INSURANCE | 866 RIDGEWAY LOOP ROAD STE 102 MEMPHIS, TN 38120 | COMPANION LIFE | $1K | — | $1K | 13.75% |
| GROUP INSURANCE SERVICES INC3 | ONE CAMERON PARKWAY CHATTANOOGA, TN 37402 | COMPANION LIFE | $531 | — | $531 | 6.88% |
| JAS D COLLIER & CO3 Filed as: JAS D. COLLIER & CO. | 606 S MENDENHALL STE 200 MEMPHIS, TN 38135 | COMPANION LIFE | $96 | — | $96 | 1.24% |
| GROUP INSURANCE SERVICES INC3 | ONE CAMERON PARKWAY CHATTANOOGA, TN 37402 | COMPANION LIFE | $48 | — | $48 | 0.62% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 279 | $1000K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 279 | $1000K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 279 | $1000K |
| Life insurance | COMPANION LIFE | 194 | $8K |
| Short-term disability | PACIFIC LIFE & ANNUITY COMPANY | 199 | $126K |
| Long-term disability | PACIFIC LIFE & ANNUITY COMPANY | 199 | $126K |
| Other | COMPANION LIFE | 194 | $8K |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.