| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN FRISCH3 | 6000 POPLAR AVENUE SUITE 300 MEMPHIS, TN 38119 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $32K | — | $32K | 7.87% |
| MCGRIFF INSURANCE SERVICES INC3 | 1900 5TH AVENUE NORTH 19TH FLOOR BIRMINGHAM, AL 35203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 9.85% |
| CHRIS WILSON3 Filed as: CHRIS BLAIR WILSON | 7886 HUNTERS CROSSING CORDOVA, TN 38018 | AFLAC | $2K | $514 | $3K | 3.63% |
| CHRISTY G POE3 | 1503 BAYWOOD COVE WEST MEMPHIS, AR 72301 | AFLAC | $1K | — | $1K | 1.89% |
| KENNETH BRADLEY ELDRED3 | 611 BELMONT ESTATES DRIVE HERNANDO, MS 38632 | AFLAC | $1K | $93 | $1K | 1.57% |
| REGIONS INSURANCE INC3 | 618 OAKLEAF OFFICE LANE SUITE 200 MEMPHIS, TN 38117 | AFLAC | $1K | — | $1K | 1.39% |
| DANNETTE L CLARKSON3 | 446 OLD MILITARY ROAD EAST COLT, AR 72326 | AFLAC | $886 | — | $886 | 1.18% |
| JACKIE LYNN SMITHEY3 | PO BOX 404 JOINER, AR 72350 | AFLAC | $719 | — | $719 | 0.96% |
| AARON E SMITH3 | 8571 COUNTY ROAD 610 ARBYRD, MO 63821 | AFLAC | $508 | $93 | $601 | 0.80% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE SUITE 200 RALEIGH, NC 27612 | AFLAC | $581 | — | $581 | 0.77% |
| HARRY S RUBENSTEIN3 | 1291 POPLAR RIDGE ROAD MEMPHIS, TN 38120 | AFLAC | $225 | — | $225 | 0.30% |
| HAROLD L POSTON SR3 | 1559 LAWTON TRAIL GERMANTOWN, TN 38138 | AFLAC | $149 | — | $149 | 0.20% |
| PHILLIP L DAGASTINO3 | 5301 PECAN GROVE LANE MEMPHIS, TN 38120 | AFLAC | $123 | — | $123 | 0.16% |
| SHERESE SMITH GREEN3 | PO BOX 1298 WEST MEMPHIS, AR 72303 | AFLAC | $121 | — | $121 | 0.16% |
| KATHERINE B MARCUM3 | 46 EAST HOLLEY STREET PARSONS, TN 38363 | AFLAC | $106 | $10 | $116 | 0.15% |
| TIMOTHY J REED3 Filed as: TIMOTHY S INGRAM | 1355 LYNNFIELD STREET SUITE 259 MEMPHIS, TN 38119 | AFLAC | $68 | $10 | $78 | 0.10% |
| CAROLYN H BOLIN3 | 5284 SUMMER WIND LANE ARLINGTON, TN 38002 | AFLAC | $56 | — | $56 | 0.07% |
| TODD R EATON3 | 6791 HEARTHSIDE COVE MEMPHIS, TN 38119 | AFLAC | $56 | — | $56 | 0.07% |
| BRADLY T MOORE3 | 610 STEWART DRIVE MARION, AR 72364 | AFLAC | $54 | — | $54 | 0.07% |
| BYRON KEITH BURRELL3 | 2330 QUATTLEBAUM COVE CONWAY, AR 72034 | AFLAC | $42 | — | $42 | 0.06% |
| KIMBERLY DIAN CROCKETT3 | 1563 ASHLEY CREEK LANE CORDOVA, TN 38016 | AFLAC | $41 | — | $41 | 0.05% |
| DAVID G WILLIAMS3 | 101 BERRYWOOD COURT HENDERSONVILLE, TN 37075 | AFLAC | $40 | — | $40 | 0.05% |
| JOHN TIMOTHY MCRAE3 | 1315 PLEASANT POINTE CIRCLE BRYANT, AR 72022 | AFLAC | $34 | — | $34 | 0.05% |
| ROBERT C WEBB3 | 1856 PENSHURST DRIVE COLLIERVILLE, TN 38017 | AFLAC | $31 | — | $31 | 0.04% |
| RONALD H RICHEY3 | 4023 LAURAWOOD LANE FRANKLIN, TN 37067 | AFLAC | $29 | — | $29 | 0.04% |
| QUINTON J MILES3 | PO BOX 22434 CHARLESTON, SC 29413 | AFLAC | $28 | — | $28 | 0.04% |
| ROBERT L GOBLE3 Filed as: ROBERT J GOBLE | 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 | $5 | — | $5 | 0.01% |
| PAMELA W EZZELL3 | 2947 CHERRYBARK COURT HERMITAGE, TN 37076 | AFLAC | $3 | — | $3 | 0.00% |
| HOWARD EATON3 | 1377 CARMONY STREET COLLIERVILLE, TN 38017 | AFLAC | $3 | — | $3 | 0.00% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DRIVE NORWALK, IA 50211 | AFLAC | $3 | — | $3 | 0.00% |
| JAY S OLEARY3 | 1802 EAVES COURT NOLENSVILLE, TN 37135 | 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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 112 | $403K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $114K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $114K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $114K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $114K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $114K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.