| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN FRISCH3 | 6000 POPLAR AVENUE, STE. 300 MEMPHIS, TN 38119 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $38K | $0 | $38K | 14.60% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CTR DR STE 1800 GREENSBORO, NC 27409 | SYMETRA LIFE INSURANCE COMPANY | $11K | $3K | $14K | 12.50% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE INC | 6 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | SYMETRA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.99% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $453 | $8K | 15.85% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $342 | $7K | 15.77% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, IN | 114 W WALNUT STREET KOKOMO, IN 46901 | GUARDIAN | $5K | $0 | $5K | 13.00% |
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 | 619 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 749 | $262K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 749 | $262K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 619 | $110K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 180 | $45K |
| Other(3 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 619 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 749 | — |
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.