| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 151 MAJOR REYNOLDS PL SUITE 210 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35K | — | $35K | 13.60% |
| PROPEL INSURANCE AGENCY LLC0 Filed as: PROPEL INSURANCE AGENCY, LLC | 151 MAJOR REYNOLDS PL SUITE 210 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $9K | $9K | 3.71% |
| NATIONAL BENEFIT CENTER0 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 3.18% |
| HUB INTERNATIONAL MIDWEST LIMITED5 Filed as: TIS INSURANCE SERVICES, INC | 1900 N WINSTON RD KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 1.49% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 1.29% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INSURANCE SERVICES, INC. | 10524 MOSS PARK ROAD #204-306 ORLANDO, FL 32832 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $7K | — | $7K | 56.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES, INC | 1900 N WINSTON RD KNOXVILLE, TN 37919 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $3K | — | $3K | 22.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES, INC | 1900 N WINSTON RD KNOXVILLE, TN 37919 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $174 | — | $174 | 4.73% |
| IBENEFIT COMMUNICATION LLC3 | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $123 | $12 | $135 | 3.67% |
| PROPEL INSURANCE3 | 151 MAJOR REYNOLDS PL KNOXVILLE, TN 37919 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 1.44% |
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 | 365 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 365 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 365 | $270K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 365 | $254K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 365 | $254K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 365 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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.