| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN GROSE3 | 620 MABRY HOOD RD STE 201 KNOXVILLE, TN 37932 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $90K | $0 | $90K | 4.17% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTING LLC | 620 MABRY HOOD RD STE 201 KNOXVILLE, TN 37932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 12.93% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $937 | $0 | $937 | 2.07% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTING LLC | 620 MABRY HOOD RD STE 201 KNOXVILLE, TN 37932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 11.87% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.13% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTING LLC | 620 MABRY HOOD RD STE 201 KNOXVILLE, TN 37932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.26% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $819 | $0 | $819 | 2.74% |
| PMG BENEFITS CONSULTING, LLC3 Filed as: PMG BENEFITS CONSULTING LLC | 620 MABRY HOOD RD STE 201 KNOXVILLE, TN 37932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.22% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY INC | PO BOX 908 FORT WORTH, TX 761010908 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $557 | $0 | $557 | 2.78% |
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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 459 | $2.2M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 459 | $2.2M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 459 | $2.2M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 357 | $65K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $38K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 357 | $30K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 357 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 459 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.