| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDERICK C SCHAEFFER3 Filed as: FREDERICK SCHAEFFER JR | PO BOX 171368 MEMPHIS, TN 38120 | BLUERE OF TENNESSEE | $115K | $0 | $115K | 11.10% |
| STRATEGIC FINANCIAL PARTNERS3 | 795 RIDGE LAKE BLVD SUITE 200 MEMPHIS, TN 38120 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | $0 | $18K | 5.01% |
| FREDERICK C SCHAEFFER3 Filed as: FREDERICK SCHAEFFER | PO BOX 171368 MEMPHIS, TN 38187 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | $0 | $18K | 5.01% |
| FREDERICK C SCHAEFFER3 Filed as: FREDERICK C SCHAEFFER JR. | PO BOX 171368 MEMPHIS, TN 38120 | BLUECROSS BLUESHIELD OF TENNESSEE INC | $9K | $0 | $9K | 10.03% |
| DIANE STEVENS NIESEN3 | 2121 TARYN LANE NESBIT, MS 38651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 9.75% |
| MELANIE RESLER3 | 3006 SW SUNSET TRACE CIRCLE PALM CITY, FL 34990 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $70 | $1K | 3.28% |
| INSURANCE CONSULTING GROUP INC3 | 4735 SPOTTSWOOD AVE MEMPHIS, TN 38117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.22% |
| FREDERICK C SCHAEFFER3 | 795 RIDGE LAKE BLVD MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.21% |
| ERIC HIRSCHKORN3 | 718 SE ABLETT LANE PORT ST LUCIE, FL 34984 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $859 | $93 | $952 | 2.54% |
| JOSEPH L GREENE3 | 7443 POPLAR PIKE GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $682 | $8 | $690 | 1.84% |
| SFPW INC3 | 795 RIDGE LAKE BLVD MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $477 | $0 | $477 | 1.27% |
| CHARLES LEONARD HERNANDEZ3 | 759 SW FEDERAL HWY STUART, FL 34994 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | $117 | $231 | 0.62% |
| J SHANNON SHEPPARD3 | 10105 GILLESPIE OAK DRIVE LAKELAND, TN 38002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | $13 | $203 | 0.54% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $55 | $119 | 0.32% |
| JOHN R JOHN3 | 948 REDDOCH COVE MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | $2 | $109 | 0.29% |
| KENNETH CARPENTER3 | 671 WHEATLEY COVE COLLIERVILLE, TN 38017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $0 | $75 | 0.20% |
| DAVID EVANS3 | 2711 YORK CT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.03% |
| SALLY E STARK3 | 305 DIANNE CIRCLE BOSSIER CITY, LA 71111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| DIANE STEVENS NIESEN3 | 2121 TARYN LANE NESBIT, MS 38651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.46% |
| JOSEPH L GREENE3 | 7443 POPLAR PIKE GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $648 | $2 | $650 | 1.82% |
| FREDERICK C SCHAEFFER3 | 795 RIDGE LAKE BLVD MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $547 | $0 | $547 | 1.53% |
| INSURANCE CONSULTING GROUP INC3 | 4735 SPOTTSWOOD AVE MEMPHIS, TN 38117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $542 | $0 | $542 | 1.51% |
| SFPW INC3 | 795 RIDGE LAKE BLVD MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $263 | $0 | $263 | 0.73% |
| KENNETH CARPENTER3 | 671 WHEATLEY COVE COLLIERVILLE, TN 38017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $132 | $0 | $132 | 0.37% |
| MELANIE RESLER3 | 3006 SW SUNSET TRACE CIRCLE PALM CITY, FL 34990 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | $7 | $124 | 0.35% |
| J SHANNON SHEPPARD3 | 10105 GILLESPIE OAK DRIVE LAKELAND, TN 38002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | $3 | $67 | 0.19% |
| DAVID EVANS3 | 2711 YORK CT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $0 | $37 | 0.10% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $9 | $31 | 0.09% |
| JOHN R JOHN3 | 948 REDDOCH COVE MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.08% |
| CHARLES LEONARD HERNANDEZ3 | 759 SW FEDERAL HWY STUART, FL 34994 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $5 | $10 | 0.03% |
| ERIC HIRSCHKORN3 | 718 SE ABLETT LANE PORT ST LUCIE, FL 34984 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $1 | $7 | 0.02% |
| SALLY E STARK3 | 305 DIANNE CIRCLE BOSSIER CITY, LA 71111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| 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 | $310K |
| FREDERICK C SCHAEFFER JR EIN 62-0427913 AGENT/BROKER | Consulting (pension) Service code 17 | PO BOX 171368 MEMPHIS, TN 38120 | $7K |
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 | 1,151 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUERE OF TENNESSEE | 1,151 | $1.0M |
| Dental | BLUERE OF TENNESSEE | 1,151 | $1.0M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE INC | 1,148 | $89K |
| Life insurance(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 573 | $429K |
| Short-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 573 | $429K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 573 | $356K |
| Stop-loss / reinsurancereinsurance | BLUERE OF TENNESSEE | 1,151 | $1.0M |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 573 | $429K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,151 | — |
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.