| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 999 SHADY GROVE SUITE 200 MEMPHIS, TN 38120 | HUMANA INSURANCE COMPANY | $19K | $510 | $19K | 4.26% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE SUITE 201 RALEIGH, NC 27612 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 0.42% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE SUITE 200 RALEIGH, NC 27612 | AFLAC | $992 | — | $992 | 1.74% |
| CHRIS WILSON3 Filed as: CHRIS BLAIR WILSON | 7886 HUNTERS CROSSING CORDOVA, TN 38018 | AFLAC | $780 | $181 | $961 | 1.68% |
| CHRISTY G POE3 | 1503 BAYWOOD COVE WEST MEMPHIS, AR 72301 | AFLAC | $927 | — | $927 | 1.62% |
| DANNETTE L CLARKSON3 | 3421 SUNSHINE ROAD ROYAL, AZ 71968 | AFLAC | $638 | — | $638 | 1.12% |
| KENNETH BRADLEY ELDRED3 | 611 BELMONT ESTATES DRIVE HERNANDO, MS 38632 | AFLAC | $633 | — | $633 | 1.11% |
| JACKIE LYNN SMITHEY3 | PO BOX 404 JOINER, AR 72350 | AFLAC | $485 | — | $485 | 0.85% |
| HARRY S RUBENSTEIN3 | 1816 EAST CHURCHILL DOWNS GERMANTOWN, TN 38138 | AFLAC | $197 | — | $197 | 0.35% |
| AARON E SMITH3 | 8571 COUNTY ROAD 610 ARBYRD, MO 63821 | AFLAC | $188 | $2 | $190 | 0.33% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE SUITE 200 RALEIGH, NC 27612 | AFLAC | $130 | — | $130 | 0.23% |
| KATHERINE B CLENNEY3 | 296 NORTH OAK GROVE ROAD MEMPHIS, TN 38120 | AFLAC | $101 | — | $101 | 0.18% |
| PHILLIP L DAGASTINO3 | 5301 PECAN GROVE LANE MEMPHIS, TN 38120 | AFLAC | $95 | — | $95 | 0.17% |
| HAROLD L POSTON SR3 | 2190 WOOD CREEK DRIVE GERMANTOWN, TN 38138 | AFLAC | $93 | — | $93 | 0.16% |
| SHERESE SMITH GREEN3 | PO BOX 1298 WEST MEMPHIS, AR 72303 | AFLAC | $64 | — | $64 | 0.11% |
| DAVID G WILLIAMS3 | 665 DAVIS DRIVE GALLATIN, TN 37066 | AFLAC | $37 | — | $37 | 0.06% |
| BRADLY T MOORE3 | 610 STEWART DRIVE MARION, AR 72364 | AFLAC | $35 | — | $35 | 0.06% |
| CAROLYN H BOLIN3 | 5284 SUMMER WIND LANE ARLINGTON, TN 38002 | AFLAC | $34 | — | $34 | 0.06% |
| TODD R EATON3 | 6971 HEARTHSIDE COVE MEMPHIS, TN 38119 | AFLAC | $34 | — | $34 | 0.06% |
| BYRON KEITH BURRELL3 | 364 ARKAVALLEY ROAD 214 GREENBRIER, AR 72058 | AFLAC | $31 | — | $31 | 0.05% |
| KIMBERLY DIAN CROCKETT3 | 505 LEE ROAD 214 PHENIX CITY, AL 36870 | AFLAC | $29 | — | $29 | 0.05% |
| SHANNON L MCBRIDE3 | 3009 WATERFRONT STREET GUNTERSVILLE, AL 35976 | AFLAC | $21 | $7 | $28 | 0.05% |
| JOHN TIMOTHY MCRAE3 | 1315 PLEASANT POINTE CIRCLE BRYANT, AR 72022 | AFLAC | $24 | — | $24 | 0.04% |
| RONALD H RICHEY3 | 4499 MURFREESBORO ROAD FRANKLIN, TN 37067 | AFLAC | $22 | — | $22 | 0.04% |
| NANCY D WEBB3 | 1856 PENSHURST DRIVE COLLIERVILLE, TN 38017 | AFLAC | $19 | — | $19 | 0.03% |
| TIMOTHY J REED3 Filed as: TIMOTHY S INGRAM | 1731 MOUNT ZION ROAD JACKSONVILLE, IL 62650 | AFLAC | $12 | $7 | $19 | 0.03% |
| ROBERT L GOBLE3 | 250 34TH AVENUE NORTHEAST HICKORY, NC 28601 | AFLAC | $5 | — | $5 | 0.01% |
| TESSIE P CANTRELLE3 | 3112 LILLIAN MARIE DRIVE GRAY, LA 70359 | AFLAC | $3 | — | $3 | 0.01% |
| PAMELA W EZZELL3 | 2947 CHERRYBARK COURT HERMITAGE, TN 37076 | AFLAC | $2 | — | $2 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.82% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 16.05% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 6.84% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.07% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 6.50% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.07% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 6.64% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $863 | $863 | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.05% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $664 | $664 | 5.82% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $571 | $571 | 5.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $521 | $521 | 5.77% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $454 | — | $454 | 5.03% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $452 | $452 | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $518 | — | $518 | 16.03% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $220 | $220 | 6.81% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $162 | $162 | 5.01% |
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 | 93 | 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) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 74 | $452K |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 50 | $42K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 82 | $9K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 116 | $86K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 56 | $17K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 36 | $22K |
| Other(3 contracts, 2 carriers) | AFLAC | 116 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.