Form 5500 · Employee benefit plan · KNOXVILLE, TN
MORTGAGE INVESTORS GROUP
The filing calls this plan MORTGAGE INVESTORS GROUP WELFARE BENEFIT PLAN.
MORTGAGE INVESTORS GROUP of KNOXVILLE, TN is a 240-participant finance and insurance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is EDWARD OWENS. Coverage is written through BLUECROSS BLUESHIELD OF TENNESSEE, INC. and 2 other carriers. The plan's most recent policy period ended in February.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 83-0310268 · plan 501 · plan year 2026, filed Sep 11, 2026
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How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Also declared: death benefits.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 3 insured contracts covering health, dental, vision, life and disability; the largest, with BLUECROSS BLUESHIELD OF TENNESSEE, INC., covers 102 people.
Reported premium across the insured contracts is $3,617,535, with $232,637 in disclosed broker commissions — about 6.4% of premium.
The health contract's policy period ended in February, while at least one ancillary line's policy period ended in January. The plan is on a split renewal cycle.
EDWARD OWENS is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including BLUECROSS BLUESHIELD OF TENNESSEE, INC., THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and COLONIAL LIFE & ACCIDENT INSURANCE COMPANY. BLUECROSS BLUESHIELD OF TENNESSEE, INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUECROSS BLUESHIELD OF TENNESSEE, INC. | Health, Dental, Vision | 102 | Mar 1, 2026 | $3,433,454 | $209,357 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 247 | Feb 1, 2026 | $137,044 | $18,659 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | Life, Disability | 32 | Mar 1, 2026 | $47,037 | $4,621 |
Premium and claims on this contract
BLUECROSS BLUESHIELD OF TENNESSEE, INC., contract 124408. For the contract year on this filing, the carrier reported $3,433,454 in premium earned and $3,784,956 in claims incurred. Dividing one by the other gives 110%.
- BLUECROSS BLUESHIELD OF TENNESSEE, INC., contract 124408 reported $449,312 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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