| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN GROSE3 | 620 MABRY HOOD ROAD SUITE 201 KNOXVILLE, TN 37931 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $62K | — | $62K | 3.41% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTANTS LLC | 620 MABRY HOOD ROAD #201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $5K | $22K | 18.84% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONTULTANTS LLC | 620 MABRY HOOD ROAD #201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $2K | $15K | 13.56% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTANTS INC | 620 MABRY HOOD ROAD #201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $3K | $15K | 18.19% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTANTS LLC | 620 MABRY HOOD ROAD #201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $33 | $4K | 18.47% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTANTS LLC | 620 MABRY HOOD ROAD #201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $66 | $4K | 20.51% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTNTS LLC | 620 MABRY HOOD ROAD #201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $323 | $323 | 1.58% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTANTS LLC | 620 MABRY HOOD ROAD #201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $177 | $1K | 17.65% |
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 | 312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 485 | $1.8M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 266 | $113K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 230 | $20K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 208 | $90K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $118K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $118K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 208 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 485 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.