| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JENNIFER KINLEY-LAWRENCE3 Filed as: JENNIFER KINLEY-LAWREN | 151 MAJOR REYNOLDS PL STE 210 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $66K | — | $66K | 3.67% |
| PROPEL INSURANCE AGENCY, LLC3 Filed as: PROPEL INSURANCE AGENCY LLC | 1201 PACIFIC AVE STE 1000 TACOMA, WA 98401 | AMERICAN UNITED LIFE INSURANCE COMPANY | $22K | $6K | $28K | 22.77% |
| THE CASON GROUP INC3 | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | GUARDIAN | $7K | — | $7K | 23.56% |
| PROPEL INSURANCE AGENCY, LLC3 | 1201 PACIFIC AVE SUITE 1000 TACOMA, WA 98402 | GUARDIAN | $5K | — | $5K | 15.71% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | — | GUARDIAN | — | $622 | $622 | 2.10% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | GUARDIAN | $444 | — | $444 | 1.50% |
| PACIFIC ADVISORS LLC3 | — | GUARDIAN | $93 | — | $93 | 0.31% |
| CAP STEWART3 | 5701 WALDEN WOODS CT KNOXVILLE, TN 379213876 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $263 | — | $263 | 8.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES I | STE 100 1900 WINSTON RD KNOXVILLE, TN 379193605 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $223 | — | $223 | 6.87% |
| PROPEL INSURANCE3 | STE 1000 1201 PACIFIC AVE TACOMA, WA 984024321 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $24 | — | $24 | 0.74% |
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 | 384 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 211 | $1.8M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 211 | $1.8M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 211 | $1.8M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 378 | $122K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 378 | $122K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 378 | $122K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 211 | $1.8M |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 378 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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.