| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 5110 MARYLAND WAY SUITE 250 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE | $41K | — | $41K | 7.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 5110 MARYLAND WAY SUITE 250 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $4K | — | $4K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 5110 MARYLAND WAY SUITE 250 BRENTWOOD, TN 37027 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 7.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 5110 MARYLAND WAY SUITE 250 BRENTWOOD, TN 37027 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 12.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5110 MARYLAND WAY SUITE 200 BRENTWOOD, TN 37027 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 66.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 5110 MARYLAND WAY SUITE 250 BRENTWOOD, TN 37027 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.94% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE | 96 | $551K |
| Dental | DELTA DENTAL OF TENNESSEE | 70 | $43K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE | 96 | $551K |
| Life insurance | STANDARD INSURANCE COMPANY | 123 | $14K |
| Short-term disability | STANDARD INSURANCE COMPANY | 123 | $35K |
| Long-term disability | STANDARD INSURANCE COMPANY | 123 | $27K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE | 96 | $551K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.