| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDERICK C SCHAEFFER3 Filed as: FREDERICK C SCHAEFFER, JR. | PO BOX 171368 MEMPHIS, TN 38120 | BLUERE OF TENNESSEE | $78K | $0 | $78K | 13.41% |
| STRATEGIC FINANCIAL PARTNERS3 | 795 RIDGE LAKE BLVD STE 200 MEMPHIS, TN 38120 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $0 | $10K | 5.00% |
| FREDERICK C SCHAEFFER3 Filed as: FREDERICK SCHAEFFER | PO BOX 171368 MEMPHIS, TN 38187 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $0 | $10K | 5.00% |
| JOSEPH L GREENE3 | 7443 POPLAR PIKE GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $44 | $1K | 4.41% |
| DIANE STEVENS NIESEN3 | 2121 TARYN LANE NESBIT, MS 38651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 4.10% |
| FREDERICK C SCHAEFFER3 Filed as: FREDERICK C SHAEFFER | 795 RIDGE LAKE BLVD MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $805 | $0 | $805 | 2.52% |
| INSURANCE CONSULTING GROUP INC3 | 4735 SPOTTSWOOD MEMPHIS, TN 38117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $769 | $0 | $769 | 2.41% |
| SFPW INC3 | 795 RIDGE LAKE BLVD MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $317 | $0 | $317 | 0.99% |
| KENNETH CARPENTER3 | 671 WHEATLEY COVE COLLIERVILLE, TN 38017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $151 | $0 | $151 | 0.47% |
| J SHANNON SHEPPARD3 | 4279 MELWOOD OAK DRIVE LAKELAND, TN 38002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $60 | $146 | 0.46% |
| DAVID EVANS3 | 2711 YORK CT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 0.13% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4300 SIDCO DRIVE NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $12 | $32 | 0.10% |
| CHARLES LENFORD HERRON JR3 Filed as: CHARLES H STARK | 305 DIANNE CR BOSSIER CITY, LA 71111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| SALLY E STARK3 | 305 DIANNE CR BOSSIER CITY, LA 71111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| ANTHONY R HARLOW3 | 15744 ARKABUTLA ROAD SARAH, MS 38665 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| JOSEPH L GREENE3 | 7443 POPLAR PIKE GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $617 | $15 | $632 | 3.46% |
| DIANE STEVENS NIESEN3 | 2121 TARYN LANE NESBIT, MS 38651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $518 | $0 | $518 | 2.84% |
| INSURANCE CONSULTING GROUP INC3 | 4735 SPOTTSWOOD MEMPHIS, TN 38117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $340 | $0 | $340 | 1.86% |
| FREDERICK C SCHAEFFER3 Filed as: FREDERICK C SHAEFFER | 795 RIDGE LAKE BLVD MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $333 | $0 | $333 | 1.82% |
| SFPW INC3 | 795 RIDGE LAKE BLVD MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $146 | $0 | $146 | 0.80% |
| KENNETH CARPENTER3 | 671 WHEATLEY COVE COLLIERVILLE, TN 38017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | $0 | $103 | 0.56% |
| J SHANNON SHEPPARD3 | 4279 MELWOOD OAK DRIVE LAKELAND, TN 38002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $23 | $58 | 0.32% |
| DAVID EVANS3 | 2711 YORK CT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $0 | $17 | 0.09% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4300 SIDCO DRIVE NASHVILLE, TN 37204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $5 | $14 | 0.08% |
| CHARLES LENFORD HERRON JR3 Filed as: CHARLES H STARK | 305 DIANNE CR BOSSIER CITY, LA 71111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| SALLY E STARK3 | 305 DIANNE CR BOSSIER CITY, LA 71111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE EIN 62-0427913 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | $173K |
| FREDERICK C SCHAEFFER, JR. EIN 62-0427913 AGENT/BROKER | Consulting (pension) Service code 17 | PO BOX 171368 MEMPHIS, TN 38120 | $5K |
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 | 801 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 801 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 37 | $50K |
| Dental | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 37 | $32K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 344 | $213K |
| Short-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 344 | $245K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 344 | $194K |
| Stop-loss / reinsurancereinsurance | BLUERE OF TENNESSEE | 801 | $578K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 344 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 801 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.