| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAMELA LAWHORN3 | 735 BROAD ST STE 100 CHATTANOOGA, TN 37401 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $22K | — | $22K | 4.51% |
| RYAN GROSE3 | 620 MABRY HOOD RD., STE 201 KNOXVILLE, TN 37932 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $6K | — | $6K | 1.26% |
| MCGRIFF INSURANCE SERVICES INC3 | 900 S GAY ST 4TH FLOOR KNOXVILLE, TN 37902 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.61% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTING LLC | 620 MABRY HOOD RD., STE 201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $809 | — | $809 | 2.39% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $772 | $772 | 2.28% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $78 | $78 | 0.23% |
| MCGRIFF INSURANCE SERVICES INC3 | 900 S GAY ST 4TH FLOOR KNOXVILLE, TN 37902 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $601 | — | $601 | 11.26% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTING | 620 MABRY HOOD RD., STE 201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $200 | — | $200 | 3.75% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $200 | $200 | 3.75% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $25 | $25 | 0.47% |
| MCGRIFF INSURANCE SERVICES INC3 | 900 S GAY ST 4TH FLOOR KNOXVILLE, TN 37902 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $583 | — | $583 | 12.16% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTING | 620 MABRY HOOD RD., STE 201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $181 | — | $181 | 3.78% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $180 | $180 | 3.75% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $26 | $26 | 0.54% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 900 S GAY ST 4TH FLOOR KNOXVILLE, TN 37902 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $358 | — | $358 | 11.46% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $119 | $119 | 3.81% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTING | 620 MABRY HOOD RD., STE 201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $111 | — | $111 | 3.55% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $17 | $17 | 0.54% |
| MCGRIFF INSURANCE SERVICES INC3 | 900 S GAY ST 4TH FLOOR KNOXVILLE, TN 37902 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $350 | — | $350 | 11.60% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $117 | $117 | 3.88% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTING | 620 MABRY HOOD RD., STE 201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $102 | — | $102 | 3.38% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $17 | $17 | 0.56% |
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 | 103 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 141 | $478K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 100 | $34K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 141 | $478K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $10K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 17 | $3K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 25 | $3K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.