| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENJAMIN DARANG3 Filed as: BENJAMIN KELLY | P.O. BOX 10328 KNOXVILLE, TN 37939 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $12K | — | $12K | 0.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES, INC | 1900 WINSTON RD STE 100 KNOXVILLE, TN 37919 | USABLE LIFE | $5K | — | $5K | 9.77% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES,INC | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $4K | — | $4K | 6.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES, INC | 1900 WINSTON RD STE 100 KNOXVILLE, TN 37919 | USABLE LIFE | $3K | — | $3K | 9.74% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES,INC | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 6.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES,INC | 1900 WINSTON RD STE 100 KNOXVILLE, TN 37919 | USABLE LIFE | $2K | — | $2K | 9.73% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES,INC | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $2K | — | $2K | 6.81% |
| AHP ENTERPRICE LLC DBA MI BENEFITS3 | 422 WESTBRIDGE ROAD KNOXVILLE, TN 37919 | GLOBAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES, INC | 1900 WINSTON RD STE 100 KNOXVILLE, TN 37919 | GLOBAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| MITCH BESVINICK3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | GLOBAL LIFE AND ACCIDENT INSURANCE COMPANY | $712 | — | $712 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES, INC | 1900 WINSTON RD STE 100 KNOXVILLE, TN 37919 | USABLE LIFE | $2K | — | $2K | 13.19% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES,INC | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37401 | USABLE LIFE | $2K | — | $2K | 13.19% |
| MGU UNDERWRITING FEE3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $390 | — | $390 | 4.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES, INC | 1900 WINSTON RD STE 100 KNOXVILLE, TN 37919 | USABLE LIFE | $233 | — | $233 | 13.38% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES,INC | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $232 | — | $232 | 13.33% |
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 | 280 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 280 | $1.5M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 280 | $1.5M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 280 | $1.5M |
| Life insurance(2 contracts) | USABLE LIFE | 213 | $38K |
| Short-term disability | USABLE LIFE | 212 | $53K |
| Long-term disability | USABLE LIFE | 212 | $33K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE COMPANY | 52 | $9K |
| Other(2 contracts) | USABLE LIFE | 213 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.