| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $104K | $104K | 3.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | DELTA DENTAL OF TENNESSEE | $35K | — | $35K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $2K | $20K | 16.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $2K | $15K | 16.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $2K | $15K | 17.11% |
| THOMAS CHRISTOPHER SMITH3 Filed as: THOMAS SMITH | PO BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | $3K | $35K | 76.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E. JACKSON CHICAGO, IL 60604 | NATIONAL VISION ADMINISTRATORS, LLC | $4K | — | $4K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $305 | $3K | 16.76% |
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 | 586 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 597 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 843 | $3.4M |
| Dental | DELTA DENTAL OF TENNESSEE | 940 | $351K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 751 | $42K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 841 | $89K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 241 | $88K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 233 | $120K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 843 | $3.4M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 805 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 940 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.