| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEGGY J ADKINS3 | 1900 N WINSTON RD, SUITE 100 KNOXVILLE, TN 37918 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $72K | $0 | $72K | 4.70% |
| BENJAMIN L KELLY3 | PO BOX 10328 KNOXVILLE, TN 37939 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $7K | $0 | $7K | 0.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SVCS INC | PO BOX 10328 KNOXVILLE, TN 37939 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SVCS INC | PO BOX 10328 KNOXVILLE, TN 37939 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE, STE 350 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $400 | $400 | 0.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SVCS INC | PO BOX 10328 KNOXVILLE, TN 37939 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE, STE 350 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $371 | $371 | 0.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SVCS INC | PO BOX 10328 KNOXVILLE, TN 37939 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE, STE 350 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $372 | $372 | 0.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SVCS INC | PO BOX 10328 KNOXVILLE, TN 37939 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $579 | $0 | $579 | 1.71% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE, STE 350 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $196 | $196 | 0.58% |
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 | 318 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 318 | $1.5M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 216 | $129K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 318 | $1.5M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 486 | $34K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 216 | $65K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 330 | $64K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 212 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.