| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAMELA LAWHORN3 | 900 S GAY ST 4TH FL KNOXVILLE, TN 37902 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $41K | — | $41K | 3.36% |
| MCGRIFF INSURANCE SERVICES INC3 | 900 S GAY ST 4TH FLOOR KNOXVILLE, TN 37902 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $660 | $660 | 0.73% |
| MCGRIFF INSURANCE SERVICES INC3 | 900 S GAY ST 4TH FL KNOXVILLE, TN 37902 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $723 | $723 | 1.55% |
| MCGRIFF INSURANCE SERVICES INC3 | 900 S GAY ST 4TH FL KNOXVILLE, TN 37902 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $543 | $543 | 1.55% |
| MCGRIFF INSURANCE SERVICES INC3 | 900 S GAY ST 4TH FL KNOXVILLE, TN 37902 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $480 | $480 | 1.46% |
| MCGRIFF INSURANCE SERVICES INC3 | 900 S GAY ST 4TH FL KNOXVILLE, TN 37902 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $481 | $481 | 1.47% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 13.58% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE, SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 13.50% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE, SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 18.43% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 18.37% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 10.43% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE, SUITE 190 RALEIGH, NC 276124959 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 10.35% |
| WILLIAM C SULLIVAN4 | 1866 WINDY MEADOWS LN SEVIERVILLE, TN 37876 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $345 | — | $345 | 16.59% |
| BB&T INSURANCE SERVICES, INC.4 Filed as: BB&T INSURANCE SERVICES INC | OFC, 3605 GLENWOOD AVE RALEIGH, NC 27612 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $193 | — | $193 | 9.28% |
| HRI DBA HUMANA WELLNESS | 2160 LAKESIDE CENTER WAY, STE 200 KNOXVILLE, TN 37922 | HRI DBA HUMANA WELLNESS | — | $11K | $11K | — |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 240 | $1.2M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 229 | $90K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 224 | $47K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 221 | $35K |
| Other(7 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 224 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.