| 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 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $16K | — | $16K | 5.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | 1900 WINSTON ROAD SUITE 100 KNOXVILLE, TN 37919 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $9K | $28K | 12.12% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3280 PEACHTREE ROAD NORTHEAST SUITE 250 ATLANTA, GA 30305 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 4.70% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, INC. | — | WESTPORT INSURANCE CORPORATION | — | — | $0 | 0.00% |
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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 19 | $304K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 277 | $230K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 277 | $230K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 277 | $230K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 277 | $230K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 277 | $230K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 96 | $122K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 277 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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."
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.