| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 7906 PLAYERS FOREST DRIVE, SUITE 1 MEMPHIS, TN 38119 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $78K | $78K | 6.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3635 RIVERSIDE PLAZA DRIVE RIVERSIDE, CA 92506 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $14K | $14K | 1.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 7906 PLAYERS FOREST DRIVE, SUITE 1 MEMPHIS, TN 38119 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | $0 | $20K | 16.14% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $910 | $7K | 5.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | DELTA DENTAL OF TENNESSEE | $6K | $0 | $6K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 7906 PLAYERS FOREST DRIVE, SUITE 1 MEMPHIS, TN 38119 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $2K | $0 | $2K | 9.91% |
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 | 429 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 191 | $1.2M |
| Dental | DELTA DENTAL OF TENNESSEE | 295 | $64K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 252 | $19K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 306 | $126K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 306 | $126K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 306 | $126K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 191 | $1.2M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 306 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.
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.