| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM THOMAS3 | PO BOX 10328 KNOXVILLE, TN 37939 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $34K | — | $34K | 3.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | PO BOX 10328 KNOXVILLE, TN 37939 | AFLAC | $8K | — | $8K | 7.71% |
| ERIN PEDERSON3 Filed as: ERIN M PEDERSON | 8405 VININGS WAY KNOXVILLE, TN 37919 | AFLAC | $3K | — | $3K | 2.86% |
| ANNE E SWANSON3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $3K | — | $3K | 2.65% |
| CASEY A CURLEE3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $2K | — | $2K | 2.10% |
| RICK WELTON3 | PO BOX 32715 KNOXVILLE, TN 37930 | AFLAC | $1K | — | $1K | 1.41% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $1K | — | $1K | 1.38% |
| DANNY J HOLLOWAY3 | 525 WEST OAKLAND AVENUE SUITE 8 JOHNSON CITY, TN 37604 | AFLAC | $608 | — | $608 | 0.58% |
| KEVIN R KRAGENBRINK3 | 8405 VININGS WAY KNOXVILLE, TN 37919 | AFLAC | $563 | — | $563 | 0.54% |
| MARY KATHY LARSON3 | 3688 RAVEN GROVE WAY APARTMENT 727 KNOXVILLE, TN 37918 | AFLAC | $109 | — | $109 | 0.10% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES F HILL | 11350 GATES MILL DRIVE KNOXVILLE, TN 37934 | AFLAC | $87 | — | $87 | 0.08% |
| RONALD D LEONARD3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $65 | — | $65 | 0.06% |
| MARY KATHY LARSON3 | 722 SETTLERS POND WAY KNOXVILLE, TN 37923 | AFLAC | $4 | — | $4 | 0.00% |
| 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 | $13K | — | $13K | 16.41% |
| 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 | $79 | — | $79 | 0.10% |
| MARK F. GRABER3 Filed as: MARK F GRABER | 9111 CROSS PARK DRIVE D-200 KNOXVILLE, TN 37923 | DELTA DENTAL OF TENNESSEE | $8K | — | $8K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | PO BOX 10328 KNOXVILLE, TN 37939 | SYMETRA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.31% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $281 | $753 | $1K | 5.39% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 226 | $76K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 249 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 138 | $183K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $78K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $78K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 42 | $19K |
| Other(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 249 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.