| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN GROSE3 | 620 MABRY HOOD RD STE 201 KNOXVILLE, TN 37932 | BLUECROSS BLUESHIELD OF TENNESSEE | $48K | — | $48K | 5.89% |
| PMG BENEFITS CONSULTING, LLC3 | 620 MABRY HOOD RD STE 201 KNOXVILLE, TX 37932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.97% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 W. 13TH ST. FORT WORTH, TN 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $908 | — | $908 | 5.03% |
| PMG BENEFITS CONSULTING, LLC3 | 620 MABRY HOOD RD STE 201 KNOXVILLE, TN 37932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.16% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 W. 13TH ST. FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $750 | — | $750 | 4.84% |
| PMG BENEFITS CONSULTING, LLC3 | 620 MABRY HOOD RD STE 201 KNOXVILLE, TN 37932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.13% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 W. 13TH ST. FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $684 | — | $684 | 4.86% |
| PMG BENEFITS CONSULTING, LLC3 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $915 | — | $915 | 9.58% |
| HIGGINBOTHAM INS AGENCY INC3 | 500 W. 13TH ST. FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $518 | — | $518 | 5.43% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE | 147 | $807K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE | 147 | $807K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE | 147 | $807K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $25K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 78 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $14K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.