| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ORMA R SMITH III3 Filed as: ORMA SMITH | 3725 CHAMPION HILLS DR STE 3300 MEMPHIS, TN 38125 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $39K | — | $39K | 4.02% |
| HEALTH COST SOLUTIONS, INC.3 Filed as: HEALTH COST SOLUTIONS LLC | P.O. BOX 1439 HENDERSONVILLE, TN 37077 | PHEONIX EXCESS RISK UNDERWRITERS/GERBER LIFE | $51K | — | $51K | 13.13% |
| CIGNA3 | — | PHEONIX EXCESS RISK UNDERWRITERS/GERBER LIFE | $22K | — | $22K | 5.60% |
| INNOVATIVE BENEFIT CONSULTANTS3 Filed as: INNOVATIVE CARE MANAGEMENT | — | PHEONIX EXCESS RISK UNDERWRITERS/GERBER LIFE | $5K | — | $5K | 1.16% |
| SAMUEL C. KEMP3 Filed as: SAMUEL KEMP | 508 WALDRON STREET P.O. BOX 1452 CORINTH, MS 388351452 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 3.78% |
| SAMUEL C. KEMP3 | 508 WALDRON STREET P.O BOX 1452 CORINTH, MS 388351452 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 3.71% |
| SAMUEL C. KEMP3 | 508 WALDRON STREET P.O. BOX 1452 CORINTH, MS 388351452 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 3.79% |
| JAS D COLLIER & CO3 Filed as: JAS. D. COLLIER & CO. | 606 S MENDENHALL ROAD, STE 200 MEMPHIS, TN 381174241 | VISION SERVICE PLAN | $1K | — | $1K | 4.82% |
| SAMUEL C. KEMP3 | 508 WALDRON STREET PO BOX 1452 CORINTH, MS 388351452 | SUN LIFE ASSURANCE COMPANY OF CANADA | $780 | — | $780 | 4.00% |
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 | 275 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 236 | $1.4M |
| Vision | VISION SERVICE PLAN | 275 | $28K |
| Life insurance(4 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 400 | $363K |
| Short-term disability(4 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 400 | $363K |
| Long-term disability(4 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 400 | $363K |
| Stop-loss / reinsurancereinsurance | PHEONIX EXCESS RISK UNDERWRITERS/GERBER LIFE | 235 | $389K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.