| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JENNIFER KINLEY-LAWRENCE3 | 151 MAJOR REYNOLDS PLACE SUITE 210 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $56K | — | $56K | 5.11% |
| RYAN ROTHROCK3 | 565 MARRIOTT DRIVE SUITE 500 NASHVILLE, TN 37214 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $4K | — | $4K | 0.38% |
| 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 | $43K | $10K | $53K | 22.11% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, LLC | 1901 BUTTERFIELD ROAD SUITE 200 DOWNERS GROVE, IL 60515 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $47K | — | $47K | 19.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF TENNESSEE, INC | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.43% |
| JENNINGS INSURANCE SERVICES3 | 618 EAST SOUTH STREET ORLANDO, FL 32801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $70 | — | $70 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | 1900 WINSTON ROAD SUITE 100 KNOXVILLE, TN 37919 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $56 | — | $56 | 0.02% |
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 | 371 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 154 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 326 | $242K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 326 | $242K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 326 | $242K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 326 | $242K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 326 | $242K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 326 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.