| 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. | $85K | $0 | $85K | 4.45% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INS. AGENCY INC | 620 MABRY HOOD RD., STE 201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.64% |
| PMG BENEFITS CONSULTING, LLC3 | 620 MABRY HOOD RD., STE 201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.36% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INS. AGENCY INC | 620 MABRY HOOD RD., STE 201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.44% |
| PMG BENEFITS CONSULTING, LLC3 | 620 MABRY HOOD RD., STE 201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.56% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INS. AGENCY INC | 620 MABRY HOOD RD., STE 201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.32% |
| PMG BENEFITS CONSULTING, LLC3 | 620 MABRY HOOD RD., STE 201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.68% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 620 MABRY HOOD RD., STE 201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INS. AGENCY INC | 620 MABRY HOOD RD., STE 201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.00% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INS. AGENCY INC | 620 MABRY HOOD RD., STE 201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $718 | $0 | $718 | 9.62% |
| PMG BENEFITS CONSULTING, LLC3 | 620 MABRY HOOD RD., STE 201 KNOXVILLE, TN 37932 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $401 | $0 | $401 | 5.37% |
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 | 224 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 173 | $1.9M |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 173 | $1.9M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 173 | $1.9M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 220 | $41K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 81 | $37K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 220 | $38K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 220 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.