| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | PO BOX 10328 KNOXVILLE, TN 37930 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $57K | $57K | 4.76% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE CO | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | $0 | $2K | 4.79% |
| TENNESSEE AUTOMOTIVE ASSOC3 | ROBERTS V WEAVER JR JD PRESIDENT NASHVILLE, TN 37204 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $894 | $894 | 1.76% |
| UNITED FINANCIAL SERVICES INC3 | 100 LIGHT ST MS B-3447 BALTIMORE, MD 21202 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.99% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.92% |
| EDWARD B SIMS3 | PO BOX 10328 KNOXVILLE, TN 37939 | TRANSAMERICA LIFE INSURANCE COMPANY | $306 | $0 | $306 | 0.63% |
| MITCHELL H BESVINICK3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | TRANSAMERICA LIFE INSURANCE COMPANY | $70 | $0 | $70 | 0.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | PO BOX 10328 KNOXVILLE, TN 37939 | USABLE LIFE | $6K | $538 | $6K | 16.36% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $6K | $153 | $6K | 14.35% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | $0 | $1K | 4.63% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE CO | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $941 | $0 | $941 | 3.84% |
| TENNESSEE AUTOMOTIVE ASSOC3 | ROBERTS V WEAVER JR JD PRESIDENT NASHVILLE, TN 37204 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $434 | $434 | 1.77% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $379 | $0 | $379 | 7.56% |
| EDWARD B SIMS3 | PO BOX 10328 KNOXVILLE, TN 37939 | TRANSAMERICA LIFE INSURANCE COMPANY | $38 | $0 | $38 | 0.76% |
| MITCHELL H BESVINICK3 | 1260 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | TRANSAMERICA LIFE INSURANCE COMPANY | $9 | $0 | $9 | 0.18% |
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 | 214 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 214 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 166 | $88K |
| Short-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 30 | $75K |
| Long-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 30 | $75K |
| Other(5 contracts, 3 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 166 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.