| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDERICK C SCHAEFFER3 | PO BOX 171368 MEMPHIS, TN 38120 | BLUERE OF TENNESSEE | $161K | $0 | $161K | 11.22% |
| FREDERICK C SCHAEFFER3 | PO BOX 171368 MEMPHIS, TN 38187 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 10.00% |
| FREDERICK C SCHAEFFER3 | PO BOX 171368 MEMPHIS, TN 38187 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 10.00% |
| FREDERICK C SCHAEFFER3 | PO BOX 171368 MEMPHIS, TN 38120 | BLUECROSS BLUESHIELD OF TENNESSEE INC | $11K | $0 | $11K | 9.88% |
| FREDERICK C SCHAEFFER3 | PO BOX 171368 MEMPHIS, TN 38187 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.00% |
| FREDERICK C SCHAEFFER3 | PO BOX 171368 MEMPHIS, TN 38187 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 2.50% |
| STRATEGIC FINANCIAL PARTNERS3 | 949 SOUTH SHADY GROVE RD SUITE 300 MEMPHIS, TN 38120 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 2.50% |
| DIANE STEVENS NIESEN3 | 2121 TARYN LANE NESBIT, MS 38651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 8.93% |
| FREDERICK C SCHAEFFER3 | 795 RIDGE LAKE BLVD MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $977 | $0 | $977 | 2.34% |
| INSURANCE CONSULTING GROUP INC3 | 4735 SPOTTSWOOD MEMPHIS, TN 38117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $977 | $0 | $977 | 2.34% |
| JOSEPH L GREENE3 | 7443 POPLAR PIKE GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $513 | $5 | $518 | 1.24% |
| JOHN R JOHN3 | 6420 POPLAR AVENUE MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $246 | $91 | $337 | 0.81% |
| SFPW INC3 | 795 RIDGE LAKE BLVD. MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $290 | $0 | $290 | 0.69% |
| ERIC HIRSCHKORN3 | 718 SE ABLETT LANE PORT ST LUCIE, FL 34984 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | $0 | $95 | 0.23% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $7 | $54 | 0.13% |
| KENNETH CARPENTER3 | 671 WHEATLEY COVE COLLIERVILLE, TN 38017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $0 | $47 | 0.11% |
| J SHANNON SHEPPARD3 | 10105 GILLESPIE OAK DRIVE LAKELAND, TN 38002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.06% |
| JOSEPH STERLING SHEPPARD3 | C/O JOSEPH STERLING SHEPPARD GOODLETTSVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.06% |
| DAVID EVANS3 | 2711 YORK CT SOTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.02% |
| DIANE STEVENS NIESEN3 | 2121 TARYN LANE NESBIT, MS 38651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 6.22% |
| INSURANCE CONSULTING GROUP INC3 | 4735 SPOTTSWOOD MEMPHIS, TN 38117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $739 | $0 | $739 | 1.84% |
| FREDERICK C SCHAEFFER3 | 795 RIDGE LAKE BLVD MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $737 | $0 | $737 | 1.83% |
| JOSEPH L GREENE3 | 7443 POPLAR PIKE GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $436 | $3 | $439 | 1.09% |
| SFPW INC3 | 795 RIDGE LAKE BLVD MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $232 | $0 | $232 | 0.58% |
| JOHN R JOHN3 | 6240 POPLAR AVENUE MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | $15 | $167 | 0.42% |
| ERIC HIRSCHKORN3 | 718 SE ABLETT LANE PORT ST LUCIE, FL 34984 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $91 | $0 | $91 | 0.23% |
| J SHANNON SHEPPARD3 | 10105 GILLESPIE OAK DRIVE LAKELAND, TN 38002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | $0 | $56 | 0.14% |
| KENNETH CARPENTER3 | 671 WHEATLEY COVE COLLIERVILLE, TN 38017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $52 | $0 | $52 | 0.13% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $4 | $40 | 0.10% |
| DAVID EVANS3 | 2711 YORK CT SOTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.02% |
| SALLY E STARK3 | 305 DIANNE CIR BOSSIER CITY, LA 71111 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| DIANE STEVENS NIESEN3 | 2121 TARYN LANE NESBIT, MS 38651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.33% |
| JOSEPH L GREENE3 | 7443 POPLAR PIKE GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $519 | $1 | $520 | 1.45% |
| FREDERICK C SCHAEFFER3 | 795 RIDGE LAKE BLVD MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $488 | $0 | $488 | 1.36% |
| INSURANCE CONSULTING GROUP INC3 | 4735 SPOTTSWOOD MEMPHIS, TN 38117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $485 | $0 | $485 | 1.35% |
| SFPW INC3 | 795 RIDGE LAKE BLVD MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $218 | $0 | $218 | 0.61% |
| KENNETH CARPENTER3 | 671 WHEATLEY COVE COLLIERVILLE, TN 38017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | $0 | $93 | 0.26% |
| JOHN R JOHN3 | 6240 POPLAR AVENUE MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $7 | $76 | 0.21% |
| J SHANNON SHEPPARD3 | 10105 GILLESPIE OAK DRIVE LAKELAND, TN 38002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | $1 | $39 | 0.11% |
| DAVID EVANS3 | 2711 YORK CT SOTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $0 | $27 | 0.08% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $2 | $23 | 0.06% |
| SALLY E STARK3 | 305 DIANNE CIR 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 | 3.67% |
| JOSEPH L GREENE3 | 7443 POPLAR PIKE GERMANTOWN, TN 38138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $555 | $1 | $556 | 1.59% |
| FREDERICK C SCHAEFFER3 | 795 RIDGE LAKE BLVD MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $475 | $0 | $475 | 1.36% |
| INSURANCE CONSULTING GROUP INC3 | 4735 SPOTTSWOOD MEMPHIS, TN 38117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $471 | $0 | $471 | 1.34% |
| SFPW INC3 | 795 RIDGE LAKE BLVD MEMPHIS, TN 38120 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $220 | $0 | $220 | 0.63% |
| KENNETH CARPENTER3 | 671 WHEATLEY COVE COLLIERVILLE, TN 38017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | $0 | $103 | 0.29% |
| JOHN R JOHN3 | 6240 POPLAR AVENUE MEMPHIS, TN 38119 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $22 | $82 | 0.23% |
| DAVID EVANS3 | 2711 YORK CT SOUTHLAKE, TX 76092 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.08% |
| BENEFIT ENROLLMENT SERVICES INC3 | 4701 TROUSDALE DRIVE NASHVILLE, TN 37220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $2 | $27 | 0.08% |
| JOSEPH STERLING SHEPPARD3 | C/O JOSEPH STERLING SHEPPARD GOODLETTSVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.06% |
| J SHANNON SHEPPARD3 | 10105 GILLESPIE OAK DRIVE LAKELAND, TN 38002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.05% |
| SALLY E STARK3 | 305 DIANNE CIR 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 | $405K |
| FREDERICK C SCHAEFFER EIN 62-0427913 AGENT/BROKER | Consulting (pension) Service code 17 | PO BOX 171368 MEMPHIS, TN 38120 | $9K |
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 | 1,355 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUERE OF TENNESSEE | 1,355 | $1.4M |
| Dental | BLUERE OF TENNESSEE | 1,355 | $1.4M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE INC | 1,355 | $108K |
| Life insurance(6 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 689 | $363K |
| Short-term disability(6 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 689 | $333K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 689 | $219K |
| Stop-loss / reinsurancereinsurance | BLUERE OF TENNESSEE | 1,355 | $1.4M |
| Other(6 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 689 | $363K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,355 | — |
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.