| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | 1900 NORTH WINSTON ROAD SUITE 100 KNOXVILLE, TN 37919 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $26K | $26K | 3.09% |
| TENNESSEE INSURANCE SVCS INC3 Filed as: TENNESSEE INSURANCE SERVICE | 1900 NORTH WINSTON ROAD #100 KNOXVILLE, TN 37919 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | PO BOX 10328 KNOXVILLE, TN 37939 | AFLAC | $11K | $281 | $12K | 10.79% |
| ERIN PEDERSON3 Filed as: ERIN M PEDERSON | 8405 VININGS WAY KNOXVILLE, TN 37919 | AFLAC | $4K | $1K | $5K | 4.70% |
| ANNE E SWANSON3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $4K | $5 | $4K | 3.56% |
| CASEEY A CURLEE3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $3K | — | $3K | 2.62% |
| DANNY J HOLLOWAY3 | 525 WEST OAKLAND AVENUE SUITE 8 JOHNSON CITY, TN 37604 | AFLAC | $2K | $27 | $2K | 1.88% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $2K | $5 | $2K | 1.75% |
| KEVIN R KRAGENBRINK3 | 8405 VININGS WAY KNOXVILLE, TN 37919 | AFLAC | $1K | $26 | $1K | 1.37% |
| RICK WELTON3 | 90 BOX 32715 KNOXVILLE, TN 37930 | AFLAC | $452 | — | $452 | 0.42% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES F HILL | 11350 GATES MILL DRIVE KNOXVILLE, TN 37934 | AFLAC | $284 | — | $284 | 0.26% |
| MARY DAUGHERTY3 Filed as: MARY K LARSON | 3668 RAVEN GROVE WAY #727 KNOXVILLE, TN 37918 | AFLAC | $207 | — | $207 | 0.19% |
| MARK F. GRABER3 Filed as: MARK F GRABER | 9111 CROSS PARK DRIVE D-200 KNOXVILLE, TN 37923 | DELTA DENTAL OF TENNESSEE | $6K | — | $6K | 10.00% |
| 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 | $10K | — | $10K | 16.58% |
| 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 | — | $5K | $5K | 9.19% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $118 | — | $118 | 0.20% |
| WILLIAM THOMAS3 | PO BOX 10328 KNOXVILLE, TN 37939 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $1K | $8K | $9K | 70.26% |
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 | 250 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 265 | $845K |
| Dental | DELTA DENTAL OF TENNESSEE | 250 | $64K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 146 | $13K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $58K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $58K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $58K |
| Other(2 contracts, 2 carriers) | AFLAC | 151 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.