| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN | — | HEALTH ADVANTAGE | $10K | — | $10K | 2.50% |
| UNKNOWN | — | HEALTH ADVANTAGE | $8K | — | $8K | 2.50% |
| PHILLIP JOHNSON3 | 6000 POPLAR FL 3RD MEMPHIS, TN 36117 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $23K | — | $23K | 8.79% |
| THOMAS C MERRIAM III3 | 6000 POPLAR AVE STE 300 MEMPHIS, TN 38119 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $11K | — | $11K | 4.08% |
| ROGERS BENEFIT GROUP INC3 Filed as: CHRIS ROGERS | 2384 HOLLY GROVE DR MEMPHIS, TN 38119 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $5K | — | $5K | 1.80% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER ST, SUITE 1410 LITTLE ROCK, AR 72120 | DELTA DENTAL PLAN OF ARKANSAS | $8K | — | $8K | 10.00% |
| UNKNOWN3 | — | AFLAC | $7K | $282 | $7K | 12.34% |
| UNKNOWN3 | — | AFLAC | $6K | $481 | $7K | 16.01% |
| STEPHENS INSURANCE LLC3 | — | SUN LIFE AND HEALTH INSURANCE COMPANY | $4K | — | $4K | 10.31% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELTY ASSURANCE COMPNAY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $840 | — | $840 | 2.46% |
| TENNESSEE AUTOMOTIVE ASSOC3 Filed as: TENNESSEE AUTOMATIVE ASSOC | ROBERTS V WEAVER NASHVILLE, TN 37204 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $828 | $828 | 2.42% |
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 | 200 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HEALTH ADVANTAGE | 90 | $998K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 119 | $77K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 169 | $142K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 68 | $134K |
| Long-term disability(3 contracts, 3 carriers) | AFLAC | 169 | $120K |
| Prescription drug(3 contracts, 2 carriers) | HEALTH ADVANTAGE | 90 | $998K |
| Other(2 contracts) | AFLAC | 68 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.