| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEMMONS WILSON INSURANCE GROUP LLC3 Filed as: KEMMONS WILSON INSURANCE GROUP | 8700 W. TRAIL LAKE DR., STE 100 MEMPHIS, TN 38125 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $49K | — | $49K | 3.08% |
| KEMMONS WILSON INSURANCE GROUP LLC3 Filed as: KEMMONS WILSON INSURANCE GROUP | 8700 W. TRAIL LAKE DR., STE 100 MEMPHIS, TN 38125 | STARMOUNT LIFE INSURANCE COMPANY | $11K | — | $11K | 10.15% |
| KEMMONS WILSON INSURANCE GROUP LLC3 Filed as: KEMMONS WILSON INSURANCE GROUP | 8700 W. TRAIL LAKE DR., STE 100 MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 6.19% |
| KEMMONS WILSON INSURANCE GROUP LLC3 Filed as: KEMMONS WILSON INSURANCE GROUP | 8700 W. TRAIL LAKE DR., STE 100 MEMPHIS, TN 38125 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEMMONS WILSON INSURANCE GROUP EIN 46-4294964 INSURANCE BROKER | Insurance agents and brokers Service code 22 | 8700 W. TRAIL LAKE DR., STE 100 MEMPHIS, TN 38125 | $66K |
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 | 145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 272 | $1.6M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 167 | $113K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 167 | $113K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 196 | $84K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 22 | $9K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 196 | $70K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 196 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.