| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN SAN JOSE, CA 95131 | ANTHEM BLUE CROSS | $54K | $0 | $54K | 3.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES, INC. | PO BOX 10328 KNOXVILLE, TN 37939 | KAISER FOUNDATION HEALTH PLAN INC | $22K | $0 | $22K | 4.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES, INC. | 1900 NORTH WINSTON ROAD, SUITE 100 KNOXVILLE, TN 37919 | STARMOUNT LIFE INSURANCE COMPANY | $13K | $1K | $14K | 10.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES, INC. | 1900 NORTH WINSTON ROAD, SUITE 100 KNOXVILLE, TN 37919 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $10K | 15.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES, INC. | PO BOX 10328 KNOXVILLE, TN 37939 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.71% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 NORTH 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | VISION SERVICE PLAN | $923 | $0 | $923 | 5.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES, INC. | 1900 NORTH WINSTON ROAD, SUITE 100 KNOXVILLE, TN 37919 | UNUM INSURANCE COMPANY | $1K | $3 | $1K | 12.24% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 114 | $2.0M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 139 | $134K |
| Vision | VISION SERVICE PLAN | 129 | $18K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $61K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $61K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $61K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 114 | $2.0M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.