| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA ROBINETTE3 Filed as: LISA HELTON ROBINETTE | 1100 MARION ST SUITE 200 KNOXVILLE, TN 37921 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $701K | $43K | $744K | 106.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | 1900 WINSTON RD #100 KNOXVILLE, TN 37919 | HARTFORD LIFE AND ACCIDENT | $14K | $0 | $14K | 10.00% |
| ALLEN MCMICHAEL3 | PO BOX 30408 KNOXVILLE, TN 37930 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.99% |
| LEAH MCGHEE3 | PO BOX 2962 HENDERSONVILLE, TN 37077 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $321 | — | $321 | 0.50% |
| ALLEN MCMICHAEL3 | PO BOX 30408 KNOXVILLE, TN 379300408 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $382 | $2K | 8.67% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 147 | $701K |
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 149 | $64K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 147 | $701K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 147 | $21K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 140 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.