| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | 1900 WINSTON ROAD SUITE 100 KNOXVILLE, TN 37919 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $23K | — | $23K | 2.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | 1900 WINSTON ROAD SUITE 100 KNOXVILLE, TN 37919 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $547 | — | $547 | 0.06% |
| THOMAS MCGEE LC3 | 920 MAIN STREET SUITE 1700 KANSAS CITY, MO 64105 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $51 | — | $51 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES, INC | 1900 NORTH WINSTON ROAD KNOXVILLE, TN 37919 | DELTA DENTAL OF MISSOURI | $4K | — | $4K | 9.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES, INC. | 1900 NORTH WINSTON ROAD KNOXVILLE, TN 37919 | ADVANTICA INSURANCE COMPANY | $662 | — | $662 | 8.33% |
| THOMAS MCGEE LC3 | 920 MAIN STREET SUITE 1700 KANSAS CITY, MO 64105 | ADVANTICA INSURANCE COMPANY | $133 | — | $133 | 1.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES, INC. | 1900 NORTH WINSTON ROAD #100 PO BOX 10328 KNOXVILLE, TN 37919 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $795 | $92 | $887 | 16.73% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 100 | $846K |
| Dental | DELTA DENTAL OF MISSOURI | 141 | $42K |
| Vision | ADVANTICA INSURANCE COMPANY | 101 | $8K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 0 | $4K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 22 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.