| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $71K | $6K | $77K | 7.35% |
| BARNETT BENEFITS LLC3 Filed as: ED BARNETT | 7906 PLAYERS FOREST DR. MEMPHIS, TN 38119 | DELTA DENTAL OF TENNESSEE | $5K | — | $5K | 9.00% |
| DORA DASILVA3 | 5628 HEATHER OAK DR. LAKELAND, TN 38002 | DELTA DENTAL OF TENNESSEE | $592 | — | $592 | 1.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 7906 PLAYERS FOREST DR., STE. 1 MEMPHIS, TN 38119 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 15.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.01% |
| DORA DASILVA3 | 7906 PLAYERS FOREST DR. MEMPHIS, TN 38119 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.40% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON ST. 12TH FL CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $353 | $353 | 0.99% |
| EDWIN W BARNETT3 Filed as: EDWIN BARNETT | 7905 PLAYERS FOREST DRIVE, STE. 1 MEMPHIS, TN 38119 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $2K | — | $2K | 9.00% |
| DORA DASILVA3 | 3339 GALLERY DRIVE MEMPHIS, TN 38125 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $306 | — | $306 | 1.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 7906 PLAYERS FOREST DR., STE. 1 MEMPHIS, TN 38119 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $746 | — | $746 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 7906 PLAYERS FOREST DR., STE. 1 MEMPHIS, TN 38119 | RELIANCE STANDARS LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARS LIFE INSURANCE COMPANY | $636 | — | $636 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 7906 PLAYERS FOREST DR., STE. 1 MEMPHIS, TN 38119 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $458 | — | $458 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 7906 PLAYERS FOREST DR., STE. 1 MEMPHIS, TN 38119 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $378 | — | $378 | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422WAUPONSEE ST. MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $126 | — | $126 | 5.00% |
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 | 456 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $1.1M |
| Dental | DELTA DENTAL OF TENNESSEE | 281 | $59K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 256 | $20K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 456 | $42K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $36K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 73 | $9K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $1.1M |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 456 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 456 | — |
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."
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.