| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN FRISCH3 | 999 SOUTH SHADY GROVE ROAD SUITE 200 MEMPHIS, TN 38120 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $29K | — | $29K | 6.41% |
| CHRIS WILSON3 Filed as: CHRIS BLAIR WILSON | 7886 HUNTERS CROSSING CORDOVA, TN 38018 | AFLAC | $12K | — | $12K | 18.08% |
| WILLIAM T GANT3 | 117 HILLSONG LANE BRIGHTON, TN 38011 | AFLAC | $3K | — | $3K | 3.85% |
| GREGORY R AUSTIN3 | 3379 LONE ROCK DRIVE MEMPHIS, TN 38128 | AFLAC | $2K | $90 | $2K | 3.40% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE SUITE 200 RALEIGH, NC 27612 | AFLAC | $584 | — | $584 | 0.85% |
| DANNETTE L CLARKSON3 | 3421 SUNSHINE ROAD ROYAL, AR 71968 | AFLAC | $492 | — | $492 | 0.71% |
| KENNETH BRADLEY ELDRED3 | 611 BELMONT ESTATES DRIVE HERNANDO, MS 38632 | AFLAC | $441 | — | $441 | 0.64% |
| CHRISTY G POE3 | 1503 BAYWOOD COVE WEST MEMPHIS, AR 72301 | AFLAC | $425 | — | $425 | 0.62% |
| JACKIE LYNN SMITHEY3 | PO BOX 404 JOINER, AR 72350 | AFLAC | $370 | — | $370 | 0.54% |
| HARRY S RUBENSTEIN3 | 1816 EAST CHURCHILL DOWNS GERMANTOWN, TN 38138 | AFLAC | $175 | — | $175 | 0.25% |
| AARON E SMITH3 | 8571 COUNTY ROAD 610 ARBYRD, MO 63821 | AFLAC | $100 | — | $100 | 0.14% |
| HAROLD L POSTON SR3 | 2190 WOOD CREEK DRIVE GERMANTOWN, TN 38138 | AFLAC | $93 | — | $93 | 0.13% |
| PHILLIP L DAGASTINO3 | 5301 PECAN GROVE LANE MEMPHIS, TN 38120 | AFLAC | $89 | — | $89 | 0.13% |
| BRADLEY T MOORE3 | 610 STEWART DRIVE MARION, AR 72364 | AFLAC | $32 | — | $32 | 0.05% |
| DAVID G WILLIAMS3 | 665 DAVIS DRIVE GALLATIN, TN 37066 | AFLAC | $27 | — | $27 | 0.04% |
| SHERESE SMITH GREEN3 | PO BOX 1298 WEST MEMPHIS, AR 72303 | AFLAC | $22 | — | $22 | 0.03% |
| KIMBERLY DIAN CROCKETT3 | 172 WALKING STICK DRIVE ELLERSLIE, GA 31807 | AFLAC | $21 | — | $21 | 0.03% |
| BYRON KEITH BURRELL3 | 364 ARKAVALLEY ROAD GREENBRIER, AR 72058 | AFLAC | $21 | — | $21 | 0.03% |
| RONALD H RICHEY3 | 4499 MURFREESBORO ROAD FRANKLIN, TN 37067 | AFLAC | $20 | — | $20 | 0.03% |
| CAROLYN H BOLIN3 | 5284 SUMMER WIND LANE ARLINGTON, TN 38002 | AFLAC | $20 | — | $20 | 0.03% |
| TODD R EATON3 | 6971 HEARTHSIDE COVE MEMPHIS, TN 38119 | AFLAC | $20 | — | $20 | 0.03% |
| JOHN TIMOTHY MCRAE3 | 1206 WOODLAND PARK ROAD BRYANT, AZ 72022 | AFLAC | $16 | — | $16 | 0.02% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVENUE SUITE 200 RALEIGH, NC 27612 | AFLAC | $12 | — | $12 | 0.02% |
| NANCY D WEBB3 | 1856 PENSHURST DRIVE COLLIERVILLE, TN 38017 | AFLAC | $11 | — | $11 | 0.02% |
| SHANNON L WYNN3 | 198 DOGWOOD CIRCLE NORTHWEST FORT PAYNE, AL 35967 | AFLAC | $4 | — | $4 | 0.01% |
| KATHERINE B CLENNEY3 | 296 NORTH OAK GROVE ROAD MEMPHIS, TN 38120 | AFLAC | $4 | — | $4 | 0.01% |
| ROBERT L GOBLE3 | 250 34TH AVENUE NORTHEAST HICKORY, NC 28601 | AFLAC | $3 | — | $3 | 0.00% |
| TESSIE P CANTRELLE3 | 3112 LILLIAN MARIE DRIVE GRAY, LA 70359 | AFLAC | $3 | — | $3 | 0.00% |
| TIMOTHY J REED3 Filed as: TIMOTHY S INGRAM | 1731 MOUNT ZION ROAD JACKSONVILLE, IL 62650 | AFLAC | $2 | — | $2 | 0.00% |
| PAMELA W EZZELL3 | 2947 CHERRYBARK COURT HERMITAGE, TN 37076 | AFLAC | $1 | — | $1 | 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 | 6.52% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.01% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 16.11% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 8.24% |
| 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 | $4K | — | $4K | 14.99% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 8.01% |
| 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 | 14.99% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 8.04% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $904 | $904 | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.99% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $825 | $825 | 6.43% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $642 | $642 | 5.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $547 | $547 | 6.55% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $417 | $417 | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $417 | — | $417 | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $510 | — | $510 | 16.09% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $268 | $268 | 8.45% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $159 | $159 | 5.02% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 73 | $456K |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 49 | $41K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 81 | $8K |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 122 | $98K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 63 | $18K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 33 | $24K |
| Other(3 contracts, 2 carriers) | AFLAC | 122 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.