| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JENNIFER KINLEY-LAWRENCE3 | 151 MAJOR REYNOLDS PIACE, SUITE 210 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $58K | — | $58K | 3.72% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | ONE AMERICA FINANCIAL PARTNERS, INC. | $23K | $7K | $30K | 23.57% |
| THE CARSON GROUP INC3 Filed as: THE CARSON GROUP, INC. | 1612 MARION STREET, 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 14.19% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 9.46% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | UNKNOWN CHATTANOOGA, TN 37416 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $868 | $868 | 1.81% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | UNKNOWN CHATTANOOGA, TN 37416 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $668 | $668 | 1.39% |
| WATCHTOWER BENEFITS, LLC3 | 2734 NORTH MILDRED AVENUE, SUITE 3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $538 | $0 | $538 | 1.12% |
| PACIFIC ADVISORS LLC3 Filed as: PACIFIC ADVISORS, LLC | UNKNOWN CHATTANOOGA, TN 37402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $91 | $0 | $91 | 0.19% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: TIS INSURANCE SERVICES, INC. | 1900 WINSTON ROAD, SUITE 100 KNOXVILLE, TN 37919 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31 | $0 | $31 | 0.06% |
| CAP STEWART4 | 5701 WALDEN WOODS COURT KNOXVILLE, TN 37921 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $516 | $0 | $516 | 13.46% |
| 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 | $270 | $0 | $270 | 7.04% |
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 | 342 | 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) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 294 | $1.6M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 294 | $1.6M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 294 | $1.6M |
| Life insurance | ONE AMERICA FINANCIAL PARTNERS, INC. | 342 | $126K |
| Short-term disability | ONE AMERICA FINANCIAL PARTNERS, INC. | 342 | $126K |
| Long-term disability | ONE AMERICA FINANCIAL PARTNERS, INC. | 342 | $126K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 294 | $1.6M |
| Other(3 contracts, 3 carriers) | ONE AMERICA FINANCIAL PARTNERS, INC. | 342 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.