| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | 151 MAJOR REYNOLDS PL STE 210 KNOXVILLE, TN 37919 | MUTUAL OF OMAHA | $51K | $12K | $62K | 14.74% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | MUTUAL OF OMAHA | — | $10K | $10K | 2.34% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION | PO BOX 1237 GLASTONBURY, CT 06033 | MUTUAL OF OMAHA | — | — | $0 | 0.00% |
| PROPEL INSURANCE3 | 151 MAJOR REYNOLDS PL STE 210 KNOXVILLE, TN 37919 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $45K | — | $45K | 15.01% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 151 MAJOR REYNOLDS PLACE KNOXVILLE, TN 37919 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 2.96% |
| PROPEL INSURANCE3 | 151 MAJOR REYNOLDS PL STE 210 KNOXVILLE, TN 37919 | PHYSICIANS EYECARE PLAN | $3K | — | $3K | 10.00% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION | PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $765 | — | $765 | 3.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | PO BOX 10328 KNOXVILLE, TN 37919 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $329 | — | $329 | 1.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | PO BOX 10328 KNOXVILLE, TN 37919 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21 | — | $21 | 2.46% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.59% |
| PROPEL INSURANCE3 | 151 MAJOR REYNOLDS PL STE 210 KNOXVILLE, TN 37919 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.23% |
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 | 638 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 638 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 464 | $303K |
| Vision | PHYSICIANS EYECARE PLAN | 362 | $32K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA | 638 | $444K |
| Long-term disability | MUTUAL OF OMAHA | 638 | $423K |
| Other(3 contracts, 3 carriers) | MUTUAL OF OMAHA | 638 | $726K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 638 | — |
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.