| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM THOMAS3 Filed as: WILLIAM M THOMAS | TIS INS SER PO BOX 10328 KNOXVILLE, TN 37939 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $67K | — | $67K | 6.29% |
| MARK F. GRABER3 Filed as: MARK F GRABER | 9111 CROSS PARK DRIVE D-200 KNOXVILLE, TN 37923 | DELTA DENTAL OF TENNESSEE | $11K | — | $11K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC. | PO BOX 10328 KNOXVILLE, TN 37939 | ONE AMERICA | $18K | — | $18K | 18.85% |
| HAROLD B LABOW3 | 666 DUNDEE ROAD SUITE 1102 NORTHRBOOK, IL 60062 | ALLSTATE | $2K | — | $2K | 4.39% |
| YONI LABOW3 | 666 DUNDEE ROAD SUITE 1102 NORTHBROOK, IL 60062 | ALLSTATE | $89 | — | $89 | 0.17% |
| MAIA LABOW3 | 666 DUNDEE ROAD SUITE 112 NORTHBROOK, IL 60062 | ALLSTATE | $23 | — | $23 | 0.04% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 273 | $1.1M |
| Dental | DELTA DENTAL OF TENNESSEE | 322 | $105K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 273 | $1.1M |
| Life insurance | ONE AMERICA | 129 | $94K |
| Short-term disability | ONE AMERICA | 129 | $94K |
| Long-term disability | ONE AMERICA | 129 | $94K |
| Other(2 contracts, 2 carriers) | ONE AMERICA | 129 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.