| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JENNIFER KINLEY-LAWRENCE3 Filed as: JENNIFER KINSLEY-LAWRENCE | 151 MAJOR REYNOLDS PLACE, SUITE 210 KNOXVILLE, TN 37919 | BLUE CROSS AND BLUE SHIELD OF TENNESSEE | $128K | $0 | $128K | 4.83% |
| CORY L SMITH3 Filed as: CORY L. SMITH | PO BOX 948 BLUFFTON, SC 29910 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $45K | $0 | $45K | 8.09% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP | 1439 STUART ENGALS BOULEVARD UNIT 300 MOUNT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $28K | $28K | 5.00% |
| CORY L SMITH3 Filed as: CORY L. SMITH | 67 REGENT AVENUE BLUFFTON, SC 29910 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $75K | $0 | $75K | 18.06% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP | 1031 CHUCK DAWLEY BOULEVARD MOUNT PLEASANT, SC 29464 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 5.00% |
| CORY L SMITH3 Filed as: CORY L. SMITH | PO BOX 948 BLUFFTON, SC 29910 | TRANSAMERICA LIFE INSURANCE COMPANY | $46K | $0 | $46K | 22.61% |
| VOLUNTARY BENEFITS AT WORK3 Filed as: VOLUNTARY BENEFITSAT WORK | 2121 NEW MARKET PARKWAY SE SUITE 100 MARIETTA, GA 30067 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 5.10% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP | 1439 STUART ENGALS BOULEVARD MOUNT PLEASANT, SC 29464 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.57% |
| C & K BENEFITS LLC3 | 106 RENAISSANCE CIRCLE MAUDLIN, SC 29662 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.07% |
| SHANNON L TROWBRIDGE3 Filed as: SHANNON L. TROWBRIDGE | 202 SPRINGRISE LANE SUMMERVILLE, SC 29486 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | PO BOX 10328 KNOXVILLE, TN 37939 | SYMETRA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.04% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY INC | 151 MAJOR REYNOLDS PLACE, SUITE 210 KNOXVILLE, TN 37919 | SYMETRA LIFE INSURANCE COMPANY | $700 | $0 | $700 | 2.38% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $0 | $530 | $530 | 1.80% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB AND PITTS INSURANCE | 2670 UNION AVENUE EXTENDED SUITE 200 MEMPHIS, TN 38112 | SYMETRA LIFE INSURANCE COMPANY | $0 | $11 | $11 | 0.04% |
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 | 1,249 | 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) | 1,249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF TENNESSEE | 540 | $2.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 825 | $415K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 825 | $415K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,249 | $559K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,249 | $559K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,249 | $559K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF TENNESSEE | 540 | $2.7M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,249 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,249 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.