| 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 | $137K | — | $137K | 2.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES, INC. | 1900 NORTH WINSTON ROAD SUITE 100 KNOXVILLE, TN 37919 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | — | $30K | 11.40% |
| 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 | $11K | — | $11K | 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 | $11K | — | $11K | 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 SERVICE, INC | 1900 NORTH WINSTON ROAD SUITE 100 KNOXVILLE, TN 37919 | PHYSICIANS EYECARE PLAN | — | $5K | $5K | 10.00% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 12.02% |
| ROY W KEITH3 | 351 OAK DRIVE LEXINGTON, SC 29073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $89 | — | $89 | 0.68% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD E 202 SIMPSONVILLE, SC 29681 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 0.40% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $380 | — | $380 | 6.21% |
| ROY W KEITH3 | 351 OAK DRIVE LEXINGTON, SC 29073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59 | — | $59 | 0.96% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 29681 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 0.57% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 23.17% |
| ROY W KEITH3 | 351 OAK DRIVE LEXINGTON, SC 29073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45 | — | $45 | 0.86% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 31626 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.52% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 24.50% |
| ROY W KEITH3 | 351 OAK DRIVE LEXINGTON, SC 29073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.27% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 29681 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.17% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 21.36% |
| 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 | $570 | — | $570 | 12.01% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 27.14% |
| ROY W KEITH3 | 351 OAK DRIVE LEXINGTON, SC 29073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.53% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 29681 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.31% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $305 | — | $305 | 11.66% |
| ROY W KEITH3 | 351 OAK DRIVE LEXINGTON, SC 29073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.42% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 29681 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.23% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $290 | — | $290 | 11.49% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $126 | — | $126 | 5.48% |
| ROY W KEITH3 | 351 OAK DRIVE LEXINGTON, SC 29073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 1.13% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 29681 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.65% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $314 | — | $314 | 16.48% |
| ROY W KEITH3 | 351 OAK DRIVE LEXINGTON, SC 29073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.16% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 29681 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.10% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | — | $60 | 4.82% |
| ROY W KEITH3 | 351 OAK DRIVE LEXINGTON, SC 29073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.24% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 29681 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.16% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 4.72% |
| ROY W KEITH3 | 351 OAK DRIVE LEXINGTON, SC 29073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.30% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 29681 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.20% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $243 | — | $243 | 26.94% |
| ROY W KEITH3 | 351 OAK DRIVE LEXINGTON, SC 29073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.11% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 29681 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.11% |
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 | 802 | 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) | 802 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 460 | $4.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 811 | $266K |
| Vision | PHYSICIANS EYECARE PLAN | 600 | $47K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 679 | $50K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 227 | $94K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 738 | $90K |
| Prescription drug | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 460 | $4.6M |
| Other(16 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 679 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 811 | — |
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.