| 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 | $89K | $0 | $89K | 5.75% |
| PROPEL INSURANCE AGENCY LLC3 | 151 MAJOR REYNOLDS PLACE, SUITE 210 KNOXVILLE, TN 37919 | ONE AMERICA FINANCIAL PARTNERS, INC. | $23K | $2K | $25K | 19.70% |
| THE CASON GROUP INC3 | 1612 MARION STREET, 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 20.46% |
| PROPEL INSURANCE AGENCY LLC3 | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $680 | $6K | 15.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES | 1900 WINSTON ROAD, SUITE 100 KNOXVILLE, WA 37919 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $485 | $0 | $485 | 1.23% |
| PACIFIC ADVISORS LLC3 | UNKNOWN CHATTANOOGA, TN 37402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $109 | $0 | $109 | 0.28% |
| PHILLIP GOODRUM3 | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $84 | $0 | $84 | 0.21% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 4400 PARK ROAD, SUITE 311 CHARLOTTE, NC 28209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | $4 | $7 | 0.02% |
| PEACHTREE PLANNING OF GEORGIA3 | UNKNOWN CHATTANOOGA, TN 37402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | $0 | $1 | 0.00% |
| CAP STEWART4 | 5701 WALDEN WOODS COURT KNOXVILLE, TN 37921 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $158 | $0 | $158 | 13.23% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: TIS INSURANCE SERVICES | 1900 WINSTON ROAD, SUITE 100 KNOXVILLE, TN 37919 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $86 | $0 | $86 | 7.20% |
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 | 372 | 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) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE | 273 | $1.5M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE | 273 | $1.5M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE | 273 | $1.5M |
| Life insurance | ONE AMERICA FINANCIAL PARTNERS, INC. | 372 | $128K |
| Short-term disability | ONE AMERICA FINANCIAL PARTNERS, INC. | 372 | $128K |
| Long-term disability | ONE AMERICA FINANCIAL PARTNERS, INC. | 372 | $128K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE | 273 | $1.5M |
| Other(3 contracts, 3 carriers) | ONE AMERICA FINANCIAL PARTNERS, INC. | 372 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.