| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA ROBINETTE3 | SHAFER INSURANCE COMPANY 1100 MARION ST, STE 200 KNOXVILLE, TN 37921 | BLUERE OF TENNESSEE | $10K | — | $10K | 2.39% |
| RHONDA MICHEL SHOCKLEY3 | 935 ETHANS GLEN DR KNOXVILLE, TN 379232062 | PRINCIPAL LIFE INSURANCE COMPANY | $37K | — | $37K | 9.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUERE OF TENNESSEE EIN 62-0427913 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | $231K |
| LISA ROBINETTE BROKER | Insurance agents and brokers Service code 22 | SHAFER INSURANCE AGENCY 1100 MARION ST, STE. 200 KNOXVILLE, TN 37921 | $40K |
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 | 632 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 632 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUERE OF TENNESSEE | 816 | $419K |
| Dental | BLUERE OF TENNESSEE | 816 | $419K |
| Vision | BLUERE OF TENNESSEE | 816 | $419K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 880 | $386K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 880 | $386K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 880 | $386K |
| Prescription drug | BLUERE OF TENNESSEE | 816 | $419K |
| Stop-loss / reinsurancereinsurance | BLUERE OF TENNESSEE | 816 | $419K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 880 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.