| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEREDITH ATKINSON3 | 12607 WEATHERSTONE DR KNOXVILLE, TN 37922 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $17K | — | $17K | 1.54% |
| BENJAMIN DARANG3 Filed as: BENJAMIN KELLY | PO BOX 10328 KNOXVILLE, TN 37939 | BLUECROSS BLUESHIELD OF TENNESSEE, INC | $6K | — | $6K | 0.52% |
| UNITED FINANCIAL SERVICES INC | 100 LIGHT ST MS B-3447 BALTIMORE, MD 21202 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.38% |
| MEREDITH ATKINSON | 12607 WEATHERSTONE DR KNOXVILLE, TN 37922 | TRANSAMERICA LIFE INSURANCE COMPANY | $959 | — | $959 | 2.50% |
| DIGITAL INSURANCE LLC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $833 | — | $833 | 2.17% |
| EDWARD B SIMS | PO BOX 10328 KNOXVILLE, TN 37939 | TRANSAMERICA LIFE INSURANCE COMPANY | $249 | — | $249 | 0.65% |
| MITCHELL HECTOR MORALES Filed as: MITCHELL BESVINICK INNOBENEFITS LLC | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | TRANSAMERICA LIFE INSURANCE COMPANY | $55 | — | $55 | 0.14% |
| MEREDITH ATKINSON | 12607 WEATHERSTONE DR KNOXVILLE, TN 37922 | TRANSAMERICA LIFE INSURANCE COMPANY | $281 | — | $281 | 7.89% |
| DIGITAL INSURANCE LLC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $150 | — | $150 | 4.21% |
| BENEFITS INC | 110 MATHIS DR SUITE 106 DICKSON, TN 37055 | USABLE LIFE | $508 | — | $508 | 14.99% |
| GROUP INSURANCE SERVICES INC | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $168 | $68 | $236 | 6.96% |
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 | 242 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 242 | $1.1M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 242 | $1.1M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC | 242 | $1.1M |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 160 | $38K |
| Short-term disability(2 contracts) | TRANSAMERICA LIFE INSURANCE COMPANY | 160 | $42K |
| Long-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 160 | $38K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 240 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.