| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JENNIFER KINLEY-LAWRENCE3 | 151 MAJOR REYOLDS PLACE SUITE 210 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE | $55K | $0 | $55K | 4.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | 1900 NORTH WINSTON ROAD, SUITE 100 KNOXVILLE, TN 37919 | DELTA DENTAL OF TENNESSEE | $26K | $0 | $26K | 9.75% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | 151 MAJOR REYNOLDS PLACE, SUITE 210 KNOXVILLE, TN 37919 | DELTA DENTAL OF TENNESSEE | $680 | $0 | $680 | 0.25% |
| PHILLIP PORTER GOODRUM3 | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $68K | $5K | $72K | 33.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | 1900 NORTH WINSTON ROAD, SUITE 100 KNOXVILLE, TN 37919 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $47K | $6K | $53K | 24.27% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.95% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 4400 PARK ROAD, SUITE 311 CHARLOTTE, NC 28209 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.82% |
| PEACHTREE PLANNING OF GEORGIA3 | 5040 ROSWELL ROAD ATLANTA, GA 30342 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $495 | $0 | $495 | 0.23% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC | 1612 MARION STREET, 4TH FLOOR COLUMBIA, SC 29201 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $204 | $0 | $204 | 0.09% |
| PACIFIC ADVISORS LLC3 | 333 INDIAN HILL BOULEVARD CLAREMONT, CA 91711 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $41 | $0 | $41 | 0.02% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | 151 MAJOR REYNOLDS PLACE, SUITE 210 KNOXVILLE, TN 37919 | ONE AMERICA FINANCIAL PARTNERS | $6K | $592 | $6K | 17.63% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INSURANCE | UNKNOWN CHATTANOOGA, TN 37402 | ONE AMERICA FINANCIAL PARTNERS | $2K | $0 | $2K | 4.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | PO BOX 10328 KNOXVILLE, TN 37939 | VISION SERVICE PLAN | $1K | $0 | $1K | 16.96% |
| CAP STEWART4 | 5701 WALDEN WOODS COURT KNOXVILLE, TN 37921 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $771 | $0 | $771 | 12.42% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: TIS INSURANCE SERVICES INC | 1900 NORTH WINSTON ROAD, SUITE 100 KNOXVILLE, TN 37919 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $438 | $0 | $438 | 7.06% |
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 | 240 | 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) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE | 221 | $1.1M |
| Dental | DELTA DENTAL OF TENNESSEE | 336 | $268K |
| Vision | VISION SERVICE PLAN | 155 | $7K |
| Life insurance | ONE AMERICA FINANCIAL PARTNERS | 264 | $35K |
| Short-term disability | ONE AMERICA FINANCIAL PARTNERS | 264 | $35K |
| Long-term disability | ONE AMERICA FINANCIAL PARTNERS | 264 | $35K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE | 221 | $1.1M |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 264 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.