| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN FRISCH3 | 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 | BLUECROSS BLUESHIELD OF TENNESSEE INC | $25K | — | $25K | 14.16% |
| RICK MCKINLEY3 | 2670 UNION AVENUE EXTENDED STE 200 MEMPHIS, TN 38112 | BLUECROSS BLUESHIELD OF TENNESSEE INC | $335 | — | $335 | 0.19% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE LLC | PO BOX 3198 LITTLE ROCK, AR 72203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 12.22% |
| LIPSCOMB & PITTS INSURANCE LLC3 | 2670 UNION AVENUE EXTENDED STE 200 MEMPHIS, TN 38112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $157 | — | $157 | 0.78% |
| CHARTWELL FINANCIAL GROUP LLC3 | 6000 POPLAR ST 113 MEMPHIS, TN 38119 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.01% |
| DAVID M. GEARHARDT3 | 618 OAKLEAF OFFICE LANE NO. 300 MEMPHIS, TN 381174820 | TRANSAMERICA LIFE INSURANCE POLICY | $72 | — | $72 | 11.71% |
| PROMPT PRODUCTIONS INC3 | 5400 LAUREL SPRINGS PARKWAY SUITE SUWANEE, GA 30024 | TRANSAMERICA LIFE INSURANCE POLICY | $13 | — | $13 | 2.11% |
| LS & ASSOCIATES INS CONSULTANTS INC3 | 1290 STATELINE RD WEST SOUTHAVEN, MS 38671 | TRANSAMERICA LIFE INSURANCE POLICY | $2 | — | $2 | 0.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE EIN 62-0427916 NONE | Contract Administrator Service code 13 | 85 NORTH DANNY THOMAS BOULEVARD MEMPHIS, TN 381032398 | $276K |
| REGIONS INSURANCE, INC. EIN 71-0621654 NONE | Accounting (including auditing) Service code 10 | 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 | $23K |
| MAYER HOFFMAN MCCANN P.C. EIN 43-1947695 NONE | Accounting (including auditing) Service code 10 | 5100 POPLAR AVENUE 3OTH FLOOR MEMPHIS, TN 38137 | $11K |
| BMI AUDIT SERVICES, LLC EIN 35-2051914 NONE | Accounting (including auditing) Service code 10 | 202 S. MICHIGAN STREET SUITE 200 SOUTH BEND, IN 46601 | $6K |
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 | 409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE INC | 689 | $179K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE INC | 689 | $179K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE INC | 689 | $179K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 376 | $257K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 61 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 689 | — |
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.