| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD SIMS3 Filed as: EDWARD OWENS | PO BOX 51765 KNOXVILLE, TN 37950 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $162K | $0 | $162K | 4.64% |
| GREGORY SHERROD3 | 3011 ARMORY DRIVE, SUITE 205 NASHVILLE, TN 37204 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $19K | $0 | $19K | 0.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDSOUTH | 3011 ARMORY DRIVE, SUITE 250 NASHVILLE, TN 37204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $3K | $14K | 16.91% |
| CARLA STINER REEL3 | 12322 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $198 | $4K | 5.28% |
| ALLEN WINSTON MCMICHAEL3 | 637 CHAPEL POINT LANE KNOXVILLE, TN 37934 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 4.60% |
| NICHOLAS MOOR WEISSFELD3 | 1309 KNIGHTSBRIDGE DRIVE KNOXVILLE, TN 37922 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $958 | $79 | $1K | 1.52% |
| DANIEL JAMES PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $356 | $0 | $356 | 0.52% |
| BENEFOUNDRY INC3 | 3013 LARGE HOP LANE ANTIOCH, TN 37013 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $224 | $63 | $287 | 0.42% |
| MARY DAUGHERTY3 | PO BOX 119 ROCKY TOP, TN 37769 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $221 | $0 | $221 | 0.32% |
| JM TAMER & CO3 Filed as: JM TAMER AND CO | 6500 PAPERMILL DRIVE, SUITE 201 KNOXVILLE, TN 37919 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $208 | $0 | $208 | 0.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 3011 ARMORY DRIVE, SUITE 250 NASHVILLE, TN 37204 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $65 | $3K | 6.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DRIVE 40 WEST MADISON 4TH FLOOR CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $403 | $403 | 0.90% |
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 | 256 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 504 | $3.5M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 504 | $3.6M |
| Vision(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 504 | $3.6M |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 476 | $194K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 290 | $149K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 290 | $149K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 504 | $3.5M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 476 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 504 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.