| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIR MEMPHIS, TN 38115 | NATIONWIDE LIFE INSURANCE COMPANY | $58K | — | $58K | 15.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIR MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIR MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 34.31% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIR MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIR MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIR MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIR MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIR MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIR MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIR MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIR MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIR MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIR MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIR MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIR MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIR MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIR MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| WALTER GRAVETTE III3 Filed as: WALTER ELMER GRAVETTE III | 5771 RAYBEN CIR MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIR MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.01% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIR MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIR MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIR MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIR MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 19.99% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIR MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $993 | — | $993 | 20.01% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIR MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $815 | — | $815 | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIR MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $153 | — | $153 | 19.97% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIR MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $91 | — | $91 | 20.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| QUALCHOICE EIN 71-0794605 | Contract Administrator Service code 13 | — | $327K |
| INSURANCE BROKERS EIN 62-1142895 | Consulting (pension) Service code 17 | — | $76K |
| REYNOLDS BONE & GRIESBECK EIN 62-0428728 | Accounting (including auditing) Service code 10 | — | $40K |
| PRIMEFLEX ADMINISTRATIVE SERVICES EIN 42-1615971 | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $19K |
| DEEDRA STEED EIN 71-6157730 | Trustee (directed) Service code 25 | — | $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 | 880 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 916 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(21 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 387 | $348K |
| Long-term disability(5 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 372 | $87K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 925 | $384K |
| Other(11 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 387 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 925 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.