| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENJAMIN DARANG3 Filed as: BENJAMIN KELLY | PO BOX 10328 KNOXVILLE, TN 37939 | BLUECROSS BLUESHIELD OF TENNESSEE | $36K | $0 | $36K | 4.13% |
| UNITED FINANCIAL SERVICES INC3 | 100 LIGHT ST MS B-3447 BALTIMORE, MD 21202 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.74% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.42% |
| EDWARD B SIMS3 | PO BOX 10328 KNOXVILLE, TN 37939 | TRANSAMERICA LIFE INSURANCE COMPANY | $58 | — | $58 | 0.10% |
| MITCHELL H BESVINICK3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | TRANSAMERICA LIFE INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE CO | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | $0 | $2K | 5.42% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | $0 | $2K | 4.88% |
| TENNESSEE AUTOMOTIVE ASSOC3 | ROBERTS V WEAVER JR JD PRESIDENT NASHVILLE, TN 37204 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $818 | $818 | 1.84% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $5K | $169 | $5K | 14.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | PO BOX 10328 KNOXVILLE, TN 37939 | USABLE LIFE | $5K | $10 | $5K | 13.66% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | USABLE LIFE | $517 | $0 | $517 | 1.37% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE CO | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | $0 | $1K | 6.76% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AMERICAN FIDELITY ASSURANCE COMPANY | $953 | $0 | $953 | 4.53% |
| TENNESSEE AUTOMOTIVE ASSOC3 | ROBERTS V WEAVER JR JD PRESIDENT NASHVILLE, TN 37204 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $361 | $361 | 1.72% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $589 | $0 | $589 | 10.99% |
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 | 217 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE | 428 | $982K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE | 428 | $859K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE | 428 | $859K |
| Life insurance(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 217 | $140K |
| Short-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 43 | $66K |
| Long-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 43 | $66K |
| Other(5 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 217 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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.