| 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. | $82K | — | $82K | 5.29% |
| VIRTUS LLC3 | 4500 W 109TH ST STE 301 OVERLAND PARK, KS 66211 | STARMOUNT LIFE INSURANCE COMPANY | $10K | — | $10K | 10.17% |
| VIRTUS LLC3 | 4550 W 109TH ST STE 301 OVERLAND PARK, KS 66211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 12.63% |
| 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 | $6K | — | $6K | 16.97% |
| 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 | $88K |
| VIRTUS LLC EIN 72-0977315 INSURANCE BROKER | Insurance agents and brokers Service code 22 | 4550 W 109TH ST STE 301 OVERLAND PARK, KS 66211 | $23K |
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 | 139 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 269 | $1.6M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 151 | $102K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 151 | $102K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 234 | $130K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 20 | $19K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 234 | $97K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 234 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.