| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JENNIFER KINLEY-LAWRENCE3 Filed as: JENNIFER LAWRENCE | 151 MAJOR REYNOLDS PLACE, SUITE 210 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE | $72K | $0 | $72K | 5.23% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | 151 MAJOR REYNOLDS PLACE, SUITE 210 KNOXVILLE, TN 37919 | ONE AMERICA FINANCIAL PARTNERS | $22K | $2K | $24K | 19.47% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | 151 MAJOR REYNOLDS PLACE, SUITE 210 KNOXVILLE, TN 37919 | DELTA DENTAL OF TENNESSEE | $12K | $0 | $12K | 10.05% |
| PHILLIP PORTER GOODRUM3 | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 44.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE COMPANY | 1900 WINSTON ROAD, SUITE 100 KNOXVILLE, WA 37919 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 32.12% |
| THE CASON GROUP INC3 | 1612 MARION STREET, 4TH FLOOR COLUMBIA, SC 29201 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 19.35% |
| PROPEL INSURANCE3 Filed as: PROPEL INSURANCE AGNCY LLC | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $7K | 17.35% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 4400 PARK ROAD, SUITE 311 CHARLOTTE, NC 28209 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $366 | $6K | $6K | 14.53% |
| PACIFIC ADVISORS LLC3 | UNKNOWN CHATTANOOGA, TN 37402 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $116 | $0 | $116 | 0.27% |
| PEACHTREE PLANNING OF GEORGIA3 | UNKNOWN CHATTANOOGA, TN 37402 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | $0 | $2 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE COMPANY | PO BOX 10328 KNOXVILLE, TN 37939 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.64% |
| CAP STEWART4 | 5701 WALDEN WOODS COURT KNOXVILLE, TN 37921 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $269 | $0 | $269 | 20.90% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: TIS INSURANCE COMPANY | 1900 WINSTON ROAD, SUITE 100 KNOXVILLE, WA 37919 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $102 | $0 | $102 | 7.93% |
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 | 370 | 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) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE | 239 | $1.4M |
| Dental | DELTA DENTAL OF TENNESSEE | 296 | $120K |
| Vision | VISION SERVICE PLAN | 189 | $19K |
| Life insurance | ONE AMERICA FINANCIAL PARTNERS | 370 | $121K |
| Short-term disability | ONE AMERICA FINANCIAL PARTNERS | 370 | $121K |
| Long-term disability | ONE AMERICA FINANCIAL PARTNERS | 370 | $121K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE | 239 | $1.4M |
| Other(3 contracts, 3 carriers) | ONE AMERICA FINANCIAL PARTNERS | 370 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.