| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LINDSAY SERFASS3 | 620 MABRY HOOD STE 201 KNOXVILLE, TN 37932 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $37K | — | $37K | 4.13% |
| TIMOTHY POTTER3 | PO BOX 545 MADISON, NJ 07940 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $30K | — | $30K | 3.38% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTING LLC | 620 MABRY HOOD RD STE 201 KNOXVILLE, TN 37932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $143 | $2K | 11.20% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $889 | — | $889 | 4.53% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTING LLC | 620 MABRY HOOD RD STE 201 KNOXVILLE, TN 37932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $135 | $2K | 11.39% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $743 | — | $743 | 4.41% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTING LLC | 620 MABRY HOOD RD STE 201 KNOXVILLE, TN 37932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $976 | $115 | $1K | 7.74% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $434 | — | $434 | 3.08% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTING LLC | 620 MABRY HOOD RD STE 201 KNOXVILLE, TN 37932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $231 | $33 | $264 | 8.29% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVE STE 502 NORWALK, CT 06854 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $87 | — | $87 | 2.73% |
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 | 255 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 400 | $899K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 400 | $899K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 400 | $899K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $17K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 89 | $20K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.