| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN GROSE3 | 620 MABRY HOOD RD STE 200 KNOXVILLE, TN 37932 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $26K | — | $26K | 3.43% |
| RICK METZELDER3 | 620 MABRY HOOD RD STE 200 KNOXVILLE, TN 37932 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $19K | — | $19K | 2.45% |
| BETH BEAM3 | 809 HANSMORE PLACE KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $210 | — | $210 | 0.03% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTING LLC | 620 MABRY HOOD ROAD STE 201 KNOXVILLE, TN 37932 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 9.45% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTING | 620 MABRY HOOD RD STE 201 KNOXVILLE, TN 37932 | DELTA DENTAL OF TENNESSEE | $3K | — | $3K | 6.00% |
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 | 153 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 211 | $757K |
| Dental | DELTA DENTAL OF TENNESSEE | 194 | $58K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 211 | $757K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 240 | $131K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 240 | $131K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 240 | $131K |
| 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."
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.