| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JENNIFER KINLEY-LAWRENCE3 | 151 MAJOR REYNOLDS PLACE, SUITE 210 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $138K | $0 | $138K | 5.42% |
| CORY L SMITH3 | PO BOX 948 BLUFFTON, SC 29910 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $41K | $9K | $51K | 10.00% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1439 STUART ENGALS BOULEVARD SUITE 300 MOUNT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $25K | $25K | 5.00% |
| CORY L SMITH3 | 67 REGENT AVENUE BLUFFTON, SC 29910 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | $0 | $33K | 9.06% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1031 CHUCK DAWLEY BOULEVARD MOUNT PLEASANT, SC 29464 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 5.06% |
| CORY L SMITH3 | PO BOX 948 BLUFFTON, SC 29910 | TRANSAMERICA LIFE INSURANCE COMPANY | $75K | $0 | $75K | 25.03% |
| VOLUNTARY BENEFITS AT WORK3 | 736 JOHNSON FERRY ROAD, SUITE C200 MARIETTA, GA 30068 | TRANSAMERICA LIFE INSURANCE COMPANY | $16K | $0 | $16K | 5.42% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1439 STUART ENGALS BOULEVARD SUITE 300 MOUNT PLEASANT, SC 29464 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 3.74% |
| C & K BENEFITS LLC3 | 106 RENAISSANCE CIRCLE MAULDIN, SC 39662 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 2.50% |
| SHANNON L TROWBRIDGE3 | 202 SPRINGRISE LANE SUMMERVILLE, SC 29486 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 2.26% |
| PROPEL INSURANCE AGENCY LLC3 | 151 MAJOR REYNOLDS PLACE SUITE 210 KNOWVILLE, TN 37919 | SYMETRA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 12.26% |
| GROUP INSURANCE SERVICES INC3 | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.94% |
| LIPSCOMB & PITTS INSURANCE LLC3 Filed as: LIPSCOMB AND PITTS INSURANCE | 2670 UNION AVENUE EXTENDED SUITE 200 MEMPHIS, TN 38112 | SYMETRA LIFE INSURANCE COMPANY | $0 | -$25 | -$25 | -0.06% |
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 | 862 | 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) | 862 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 554 | $2.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 604 | $368K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 604 | $368K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 862 | $804K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 862 | $506K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 862 | $506K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 554 | $2.6M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 862 | $804K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 862 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.