| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN FRISCH3 | 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $33K | — | $33K | 7.45% |
| REGIONS INSURANCE INC3 | 1900 5TH AVENUE NORTH 19TH FLOOR BIRMINGHAM, AL 35203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.07% |
| REGIONS INSURANCE INC3 | 1900 5TH AVENUE NORTH 19TH FLOOR BIRMINGHAM, AL 35203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 5.81% |
| REGIONS INSURANCE INC3 | 1900 5TH AVENUE NORTH 19TH FLOOR BIRMINGHAM, AL 35203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.72% |
| CHRIS WILSON3 Filed as: CHRIS BLAIR WILSON | 7886 HUNTERS CROSSING CORDOVA, TN 38018 | AFLAC | $3K | — | $3K | 3.60% |
| REGIONS INSURANCE INC3 | 618 OAKLEAF OFFICE LANE SUITE 200 MEMPHIS, TN 38117 | AFLAC | $3K | — | $3K | 3.36% |
| CHRISTY G POE3 | 1503 BAYWOOD COVE WEST MEMPHIS, AR 72301 | AFLAC | $2K | $21 | $2K | 2.80% |
| KENNETH BRADLEY ELDRED3 | 611 BELMONT ESTATES DRIVE HERNANDO, MS 38632 | AFLAC | $1K | $6 | $1K | 1.73% |
| JACKIE LYNN SMITHEY3 | PO BOX 404 JOINER, AR 72350 | AFLAC | $1K | $15 | $1K | 1.33% |
| AARON E SMITH3 | 8571 COUNTY ROAD 610 ARBYRD, MO 63821 | AFLAC | $734 | — | $734 | 0.92% |
| DANNETTE L CLARK3 | 446 OLD MILITARY ROAD EAST COLT, AR 72326 | AFLAC | $511 | — | $511 | 0.64% |
| DANNETTE L CLARKSON3 | 446 OLD MILITARY ROAD EAST COLT, AR 72326 | AFLAC | $482 | — | $482 | 0.61% |
| SHERESE SMITH GREEN3 | PO BOX 1298 WEST MEMPHIS, AR 72303 | AFLAC | $436 | — | $436 | 0.55% |
| HARRY S RUBENSTEIN3 | 1291 POPLAR RIDGE DRIVE MEMPHIS, TN 38120 | AFLAC | $226 | — | $226 | 0.28% |
| HAROLD L POSTON SR3 | 1559 LAWTON TRAIL GERMANTOWN, TN 38138 | AFLAC | $157 | — | $157 | 0.20% |
| PHILLIP L DAGASTINO3 | 5301 PECAN GROVE LANE MEMPHIS, TN 38120 | AFLAC | $129 | — | $129 | 0.16% |
| QUINTON J MILES3 | PO BOX 22434 CHARLESTON, SC 29413 | AFLAC | $65 | — | $65 | 0.08% |
| BRADLY T MOORE3 | 610 STEWART DRIVE MARION, AR 72364 | AFLAC | $59 | — | $59 | 0.07% |
| CAROLYN H BOLIN3 | 5284 SUMMER WIND LANE ARLINGTON, TN 38002 | AFLAC | $58 | — | $58 | 0.07% |
| TODD R EATON3 | 6791 HEARTHSIDE COVE MEMPHIS, TN 38119 | AFLAC | $58 | — | $58 | 0.07% |
| BYRON KEITH BURRELL3 | 2330 QUATTLEBAUM COVE CONWAY, AR 72034 | AFLAC | $49 | — | $49 | 0.06% |
| JOHN TIMOTHY MCRAE3 | 1315 PLEASANT POINTE CIRCLE BRYANT, AR 72022 | AFLAC | $40 | — | $40 | 0.05% |
| KIMBERLY DIAN CROCKETT3 | 1563 ASHLEY CREEK LANE CORDOVA, TN 38016 | AFLAC | $39 | — | $39 | 0.05% |
| DAVID G WILLIAMS3 | 929 SOUTHSIDE PLACE NASHVILLE, TN 37203 | AFLAC | $36 | — | $36 | 0.05% |
| ROBERT C WEBB3 | 1856 PENHURST DRIVE COLLIERVILLE, TN 38017 | AFLAC | $30 | — | $30 | 0.04% |
| RONALD H RICHEY3 | 4023 LAURAWOOD LANE FRANKLIN, TN 37067 | AFLAC | $30 | — | $30 | 0.04% |
| QUINTON J MILES3 Filed as: QUINTON MILES | PO BOX 22434 CHARLESTON, SC 29413 | AFLAC | $23 | — | $23 | 0.03% |
| KATHERINE B MARCUM3 | 46 EAST HOLLEY STREET PARSONS, TN 38363 | AFLAC | $21 | — | $21 | 0.03% |
| HOWARD EATON3 | 1377 CARMONY STREET COLLIERVILLE, TN 38017 | AFLAC | $21 | — | $21 | 0.03% |
| TIMOTHY J REED3 Filed as: TIMOTHY S INGRAM | 1355 LYNNFIELD STREET SUITE 259 MEMPHIS, TN 38119 | AFLAC | $11 | — | $11 | 0.01% |
| ROBERT L GOBLE3 | 1410 4TH STREET DRIVE NORTHWEST UNIT 208 HICKORY, NC 28601 | AFLAC | $8 | — | $8 | 0.01% |
| TESSIE P CANTRELLE3 | 1340 WEST TUNNEL BOULEVARD SUITE 650 HOUMA, LA 70360 | AFLAC | $6 | — | $6 | 0.01% |
| DEBRA M DAVIS3 Filed as: DEBRA E CONNER | 5900 HICKORY NUTT LANE MEMPHIS, TN 38141 | AFLAC | $4 | — | $4 | 0.01% |
| PAMELA W EZZELL3 | 4066 HIGHLAND RIDGE ROAD BIRMINGHAM, AL 35242 | AFLAC | $3 | — | $3 | 0.00% |
| JAY S OLEARY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $3 | — | $3 | 0.00% |
| SEWELL AND ASSOCIATES INC3 | 1055 MISTY LAKE DRIVE LEBANON, TN 37087 | AFLAC | $2 | — | $2 | 0.00% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $1 | — | $1 | 0.00% |
| JOANNA G MATHERLY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $1 | — | $1 | 0.00% |
| KATHERINE B MARCUM3 | 296 NORTH OAK GROVE ROAD MEMPHIS, TN 38120 | AFLAC | $1 | — | $1 | 0.00% |
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 | 96 | 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) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 108 | $439K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $112K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $112K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $191K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $112K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $112K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.