| 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 | $141K | — | $141K | 3.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | 1900 NORTH WINSTON ROAD SUITE 100 KNOXVILLE, TN 37919 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | — | $27K | 10.05% |
| 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 | $15K | — | $15K | 12.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $7K | $7K | 5.37% |
| 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% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $7K | $7K | 6.53% |
| 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% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 6.80% |
| 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% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INS SERVICES INC | 1900 N WINSTON RD STE 100 KNOXVILLE, TN 37919 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 10.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | 1900 NORTH WINSTON ROAD SUITE 100 KNOXVILLE, TN 37919 | HYATT LEGAL PLANS | $1K | — | $1K | 10.03% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 10.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | PO BOX 10328 KNOXVILLE, TN 37939 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $201 | — | $201 | 1.78% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $173 | — | $173 | 1.54% |
| ROY W KEITH3 | 351 OAK DRIVE LEXINGTON, SC 29073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 0.46% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD E 202 SIMPSONVILLE, SC 29681 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | — | $30 | 0.27% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 16.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | PO BOX 10328 KNOXVILLE, TN 37939 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $492 | — | $492 | 7.68% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | — | $81 | 1.26% |
| ROY W KEITH3 | 351 OAK DRIVE LEXINGTON, SC 29073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | — | $34 | 0.53% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 31626 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | PO BOX 10328 KNOXVILLE, TN 37939 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $259 | — | $259 | 4.24% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $249 | — | $249 | 4.07% |
| ROY W KEITH3 | 351 OAK DRIVE LEXINGTON, SC 29073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 0.87% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 29681 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.51% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 19.41% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $907 | — | $907 | 16.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | PO BOX 10328 KNOXVILLE, TN 37939 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $409 | — | $409 | 7.54% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $64 | — | $64 | 1.18% |
| ROY W KEITH3 | 351 OAK DRIVE LEXINGTON, SC 29073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.28% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 29681 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 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 | $617 | — | $617 | 11.99% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $878 | — | $878 | 19.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | PO BOX 10328 KNOXVILLE, TN 37939 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $383 | — | $383 | 8.55% |
| ROY W KEITH3 | 351 OAK DRIVE LEXINGTON, SC 29073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.20% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 29681 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.13% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $648 | — | $648 | 19.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | PO BOX 10328 KNOXVILLE, TN 37939 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $182 | — | $182 | 5.50% |
| ROY W KEITH3 | 351 OAK DRIVE LEXINGTON, SC 29073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.30% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 29681 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | PO BOX 10328 KNOXVILLE, TN 37939 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $141 | — | $141 | 5.66% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $124 | — | $124 | 4.98% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $494 | — | $494 | 22.40% |
| ROY W KEITH3 | 351 OAK DRIVE LEXINGTON, SC 29073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.54% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 29681 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | PO BOX 10328 KNOXVILLE, TN 37939 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.18% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $369 | — | $369 | 18.46% |
| ROY W KEITH3 | 351 OAK DRIVE LEXINGTON, SC 29073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.15% |
| 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 | $425 | — | $425 | 29.03% |
| ROY W KEITH3 | 351 OAK DRIVE LEXINGTON, SC 29073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.20% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 29681 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | PO BOX 10328 KNOXVILLE, TN 37939 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88 | — | $88 | 6.60% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $82 | — | $82 | 6.15% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | — | $29 | 4.61% |
| ROY W KEITH3 | 351 OAK DRIVE LEXINGTON, SC 29073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.48% |
| PAULA H KEEL3 | 2607 WOODRUFF ROAD SUITE E 202 SIMPSONVILLE, SC 29681 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.32% |
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 | 736 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 737 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 422 | $4.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 796 | $268K |
| Vision | PHYSICIANS EYECARE PLAN | 598 | $48K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 453 | $53K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 401 | $128K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 736 | $104K |
| Prescription drug | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 422 | $4.3M |
| Other(18 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 453 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 796 | — |
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.