| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW BOLES3 Filed as: MATTHEW TAYLOR | 151 MAJOR REYNOLDS PLACE, SUITE 210 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $147K | $0 | $147K | 4.93% |
| BRANDON WEBB3 | 6700 TOWER CIRCLE, SUITE 200 FRANKLIN, TN 37067 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $2K | $0 | $2K | 0.06% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 151 MAJOR REYNOLDS PLACE, SUITE 210 KNOXVILLE, TN 37919 | SUN LIFE ASSURANCE COMPANY OF CANADA | $38K | $0 | $38K | 13.21% |
| CAP STEWART4 | 5701 WALDEN WOODS COURT KNOXVILLE, TN 37921 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $435 | $0 | $435 | 11.70% |
| JAMES A SCOTT & SON INC4 Filed as: JAMES A SCOTT AND SON INC | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $123 | $0 | $123 | 3.31% |
| PROPEL INSURANCE AGENCY LLC4 Filed as: PROPEL INSURANCE AGENCY, LLC | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $104 | $0 | $104 | 2.80% |
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 | 520 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 520 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 508 | $3.0M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 508 | $3.0M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 508 | $3.0M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 520 | $285K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 520 | $285K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 520 | $285K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 508 | $3.0M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 520 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 520 | — |
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.