| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWIN W BARNETT3 Filed as: EDWIN BARNETT | 7906 PLAYERS FOREST DRIVE SUITE 1 MEMPHIS, TN 38119 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $775K | $775K | 5.23% |
| JOEL W. HARVEY3 Filed as: JOEL HARVEY | 855 WILLOW TREE CIRCLE STE 201 CORDOVA, TN 38018 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $6K | $6K | 0.04% |
| ORMA R SMITH III3 Filed as: ORMA R. SMITH | 8245 TOURNAMENT DRIVE SUITE 295 MEMPHIS, TN 38125 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $5K | $5K | 0.03% |
| GENE MATHIS3 | 6000 POPLAR FL 3RD MEMPHIS, TN 38119 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $4K | $4K | 0.02% |
| MICHAEL DREVE3 | 1755 KIRBY PKWY STE 300 MEMPHIS, TN 38120 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $4K | $4K | 0.02% |
| LOUIS CHAFFIN3 | 8122 WALNUT RUN CORDOVA, TN 38018 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $2K | $2K | 0.02% |
| TIMOTHY FINNELL3 | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $2K | $2K | 0.02% |
| WALTER ROOP3 | 9061 STONE WALK PLACE GERMANTOWN, TN 38138 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $2K | $2K | 0.01% |
| MICHAEL DYSON3 | 2176 WEST ST. GERMANTOWN, TN 38138 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $1K | $1K | 0.01% |
| DANIEL FLICK3 | 5720 WOODBRIAR COVE MEMPHIS, TN 38120 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $515 | $515 | 0.00% |
| PHILLIP L DAGASTINO3 Filed as: PHILLIP HICKS | 6677 WILD RIDGE CR MEMPHIS, TN 38120 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $417 | $417 | 0.00% |
| STUART ZALOWITZ3 | 618 OAKLEAF OFFICE LN STE 200 MEMPHIS, TN 38117 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | — | $36 | $36 | 0.00% |
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 | 1,494 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 3,011 | $14.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,011 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.