| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | P.O. BOX 10328 KNOXVILLE, TN 37919 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $125K | — | $125K | 3.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INCORPORATED | PO BOX 10328 KNOXVILLE, TN 37919 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $19K | — | $19K | 7.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | 1900 NORTH WINSTON ROAD SUITE 100 KNOXVILLE, TN 37919 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 12.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | 1900 NORTH WINSTON ROAD SUITE 100 KNOXVILLE, TN 37919 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 12.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | 1900 NORTH WINSTON ROAD SUITE 100 KNOXVILLE, TN 37919 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 12.00% |
| 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 | $3K | — | $3K | 7.00% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 15.70% |
| ROY W KEITH3 | 136 ALICE HOWELL LANE LEESVILLE, SC 29070 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $117 | — | $117 | 0.85% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD E 202 SIMPSONVILLE, SC 31626 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $68 | — | $68 | 0.49% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $442 | — | $442 | 6.44% |
| ROY W KEITH3 | 136 ALICE HOWELL LANE LEESVILLE, SC 29070 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55 | — | $55 | 0.80% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 31626 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 0.50% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 36.78% |
| ROY W KEITH3 | 136 ALICE HOWELL LANE LEESVILLE, SC 29070 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.28% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 31626 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | 1900 NORTH WINSTON ROAD SUITE 100 KNOXVILLE, TN 37919 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $613 | — | $613 | 11.99% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $587 | — | $587 | 11.50% |
| ROY W KEITH3 | 136 ALICE HOWELL LANE LEESVILLE, SC 29070 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.96% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 31626 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.61% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 27.09% |
| ROY W KEITH3 | 136 ALICE HOWELL LANE LEESVILLE, SC 29070 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 0.73% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 31626 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.42% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $749 | — | $749 | 17.30% |
| ROY W KEITH3 | 136 ALICE HOWELL LANE LEESVILLE, SC 29070 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.07% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 29681 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.05% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $811 | — | $811 | 28.07% |
| ROY W KEITH3 | 136 ALICE HOWELL LANE LEESVILLE, SC 29070 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.38% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 31626 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.21% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $518 | — | $518 | 18.41% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $151 | — | $151 | 5.89% |
| ROY W KEITH3 | 136 ALICE HOWELL LANE LEESVILLE, SC 29070 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 1.17% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 31626 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.70% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $276 | — | $276 | 18.29% |
| ROY W KEITH3 | 136 ALICE HOWELL LANE LEESVILLE, SC 29070 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.27% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 31626 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.13% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $390 | — | $390 | 27.76% |
| ROY W KEITH3 | 136 ALICE HOWELL LANE LEESVILLE, SC 29070 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.57% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 31626 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.36% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | — | $66 | 4.78% |
| ROY W KEITH3 | 136 ALICE HOWELL LANE LEESVILLE, SC 29070 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.22% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 31626 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.14% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | — | $70 | 6.46% |
| ROY W KEITH3 | 136 ALICE HOWELL LANE LEESVILLE, SC 29070 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.46% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 31626 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.28% |
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 | 742 | 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) | 742 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 449 | $4.1M |
| Dental | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 473 | $258K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 351 | $40K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 554 | $54K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 288 | $103K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 742 | $96K |
| Prescription drug | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 449 | $4.1M |
| Other(15 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 554 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 742 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.