| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN GROSE3 | 620 MABRY HOOD RD STE 201 KNOXVILLE, TN 37932 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $43K | — | $43K | 4.09% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTING | 620 MABRY HOOD RD STE 200 KNOXVILLE, TN 37932 | HARTFORD LIFE AND ACCIDENT | $17K | — | $17K | 10.00% |
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 | 221 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 280 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 280 | $1.1M |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 280 | $1.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 201 | $166K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 201 | $166K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 201 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.