| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN FRISCH3 | 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 | BLUECROSS BLUESHIELD OF TENNESSEE INC | $35K | — | $35K | 13.94% |
| REGIONS INSURANCE INC3 | 1900 5TH AVENUE NORTH 19TH FLOOR BIRMINGHAM, AL 35203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 19.33% |
| DAVID M. GEARHARDT5 | 618 OAKLEAF OFFICE LANE NO. 300 MEMPHIS, TN 381174820 | TRANSAMERICA LIFE INSURANCE POLICY | $72 | — | $72 | 10.21% |
| PROMPT PRODUCTIONS INC3 | 5400 LAUREL SPRINGS PARKWAY SUWANEE, GA 30024 | TRANSAMERICA LIFE INSURANCE POLICY | $14 | — | $14 | 1.99% |
| LS & ASSOCIATES INS CONSULTANTS INC3 | 1290 STATELINE RD WEST SOUTHAVEN, MS 38671 | TRANSAMERICA LIFE INSURANCE POLICY | $2 | — | $2 | 0.28% |
| 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 | $338K |
| REGIONS INSURANCE, INC. EIN 71-0621654 NONE | Accounting (including auditing) Service code 10 | 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 | $24K |
| MAYER HOFFMAN MCCANN P.C. EIN 43-1947695 NONE | Accounting (including auditing) Service code 10 | 5100 POPLAR AVENUE 3OTH FLOOR MEMPHIS, TN 38137 | $11K |
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 | 509 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE INC | 809 | $249K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE INC | 809 | $249K |
| Stop-loss / reinsurancereinsurance | SIRIUS AMERICA INSURANCE COMPANY | 505 | $404K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 89 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 809 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.