| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA ROBINETTE3 | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $50K | — | $50K | 3.40% |
| PAMELA LAWHORN3 | 735 BROAD ST. STE 100 CHATTANOOGA, TN 37402 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $31K | — | $31K | 2.11% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY RD. GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.56% |
| SHAFER INSURANCE AGENCY INC3 | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY RD. GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.56% |
| SHAFER INSURANCE AGENCY INC3 | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.43% |
| SHAFER INSURANCE AGENCY INC3 | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.97% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY RD. GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.03% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY RD. GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $463 | — | $463 | 5.03% |
| SHAFER INSURANCE AGENCY INC3 Filed as: SHAFER INSURANCE AGENCY | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $457 | — | $457 | 4.97% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY RD. GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $570 | — | $570 | 7.54% |
| SHAFER INSURANCE AGENCY INC3 | 1100 MARION STREET SUITE 200 KNOXVILLE, TN 37921 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $564 | — | $564 | 7.46% |
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 | 231 | 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. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 307 | $1.5M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 307 | $1.5M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 307 | $1.5M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $29K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 230 | $35K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $44K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 231 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.