| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN FRISCH4 | 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 | BLUECROSS BLUESHIELD OF TENNESSEE INC | $36K | — | $36K | 13.62% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 9100 KEYSTONE CROSSING SUITE 550 INDIANAPOLIS, IN 46240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 14.15% |
| DAVID M. GEARHARDT3 | 618 OAKLEAF OFFICE LANE NO. 300 MEMPHIS, TN 381174820 | TRANSAMERICA LIFE INSURANCE POLICY | $78 | — | $78 | 11.06% |
| PROMPT PRODUCTIONS INC3 | 5400 LAUREL SPRINGS PARKWAY SUWANEE, GA 30024 | TRANSAMERICA LIFE INSURANCE POLICY | $15 | — | $15 | 2.13% |
| 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 | $395K |
| 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 | 505 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE INC | 817 | $266K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE INC | 817 | $266K |
| Stop-loss / reinsurancereinsurance | SIRIUS AMERICA INSURANCE COMPANY | 487 | $466K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 93 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 817 | — |
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.