| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | 1900 N WINSTON RD STE 100 KNOXVILLE, TN 37919 | UNITED HEALTHCARE INSURANCE COMPANY | $14K | $0 | $14K | 2.90% |
| ASSUREDPARTNERS3 | 435 N WHITTINGTON PKWY STE 300 LOUISVILLE, KY 40222 | UNITED HEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 2.10% |
| JAMES KERKHOFF3 | 2443 SIR BARTON WAY, SUITE 400 LEXINGTON, KY 40509 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $2K | $0 | $2K | 6.40% |
| WILLIAM THOMAS3 Filed as: WILLIAM THOMAS SR | 1900 N WINSTON RD STE 100 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $1K | $0 | $1K | 3.12% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.77% |
| ASSUREDPARTNERS3 | 5905 E GALBRAITH RD STE 5000 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE INC | 1900 N WINSTON RD STE 100 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.35% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $641 | $641 | 6.48% |
| ASSUREDPARTNERS3 | 5905 E GALBRAITH RD STE 5000 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $585 | $0 | $585 | 5.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE INC | 1900 N WINSTON RD STE 100 KNOXVILLE, TN 37919 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $404 | $0 | $404 | 4.09% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 118 | $468K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 147 | $38K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 147 | $38K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $33K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 147 | $38K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.