| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIRCLE MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIRCLE MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIRCLE MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIRCLE MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIRCLE MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIRCLE MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIRCLE MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIRCLE MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIRCLE MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIRCLE MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIRCLE MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIRCLE MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIRCLE MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIRCLE MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| WALTER GRAVETTE III3 Filed as: WALTER ELMR GRAVETTE III | 5771 RAYBEN CIRCLE MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 18.29% |
| JTS FINANCIAL SERVICES3 | 415 N. MCKINLEY STE. 305 LITTLE ROCK, AR 72205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $143 | — | $143 | 1.71% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIRCLE MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 19.99% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIRCLE MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $602 | — | $602 | 13.78% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS SERVICES | 2311 BISCAYNE DR. STE. 110 LITTLE ROCK, AR 72227 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $272 | — | $272 | 6.22% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIRCLE MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $130 | — | $130 | 14.19% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS SERVICES | 2311 BISCAYNE DR. STE. 110 LITTLE ROCK, AR 72227 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $53 | — | $53 | 5.79% |
| BONNIE T. GRAVETTE3 | 5771 RAYBEN CIRCLE MEMPHIS, TN 38115 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $44 | — | $44 | 14.72% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS SERVICES | 2311 BISCAYNE DR. STE. 110 LITTLE ROCK, AR 72227 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16 | — | $16 | 5.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| QUALCHOICE EIN 71-0794605 | Contract Administrator Service code 13 | — | $236K |
| INSURANCE BROKERS EIN 62-1142895 | Consulting (pension) Service code 17 | — | $47K |
| JTS FINANCIAL SERVICES EIN 20-3385906 | Consulting (pension) Service code 17 | — | $23K |
| REYNOLDS BONE & GRIESBECK EIN 62-0428728 | Accounting (including auditing) Service code 10 | — | $21K |
| PRIMEFLEX ADMINISTRATIVE SERVICES EIN 42-1615971 | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $12K |
| REGIONS EIN 63-6129301 | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $7K |
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 | 843 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 878 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(15 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 336 | $210K |
| Long-term disability(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 199 | $56K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 889 | $201K |
| Other(8 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 336 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 889 | — |
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.