| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN GROSE3 | 620 MABRY HOOD RD., STE 201 KNOXVILLE, TN 37932 | BLUECROSS BLUESHIELD OF TENNESSEE | $136K | — | $136K | 3.83% |
| PMG BENEFITS CONSULTING, LLC3 | 620 MABRY HOOD RD., STE 201 KNOXVILLE, TN 37932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | $0 | $25K | 18.00% |
| PMG BENEFITS CONSULTING, LLC3 | 620 MABRY HOOD RD., STE 201 KNOXVILLE, TN 37932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | $3K | $28K | 20.27% |
| PMG BENEFITS CONSULTING, LLC3 | 620 MABRY HOOD RD., STE 201 KNOXVILLE, TN 37932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $2K | $23K | 19.73% |
| PMG BENEFITS CONSULTING, LLC3 | 620 MABRY HOOD RD., STE 201 KNOXVILLE, TN 37932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $973 | $10K | 16.71% |
| PMG BENEFITS CONSULTING, LLC3 | 620 MABRY HOOD RD., STE 201 KNOXVILLE, TN 37932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $739 | $7K | 16.69% |
| PMG BENEFITS CONSULTING, LLC3 | 620 MABRY HOOD RD., STE 201 KNOXVILLE, TN 37932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $114 | $4K | 15.44% |
| PMG BENEFITS CONSULTING, LLC3 | 620 MABRY HOOD RD., STE 201 KNOXVILLE, TN 37932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | — |
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 | 459 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE | 750 | $3.6M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE | 750 | $3.6M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE | 750 | $3.6M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 536 | $26K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 536 | $137K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $117K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 253 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 750 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.