| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 1201 PACIFIC AVE. TACOMA, WA 98402 | AETNA LIFE INSURANCE COMPANY | $276K | $90K | $366K | 2.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 3520 THOMASVILLE RD. TALLAHASSEE, FL 32301 | AETNA LIFE INSURANCE COMPANY | $275K | — | $275K | 1.83% |
| TENNESSEE INSURANCE SVCS INC3 Filed as: TENNESSEE INSURANCE SERVICE INC. | PO BOX 10328 KNOXVILLE, TN 37939 | AETNA LIFE INSURANCE COMPANY | $22K | — | $22K | 0.15% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 220 S. RIDGEWOOD AVE. STE. 500 DAYTONA BEACH, FL 32114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | — | $18K | 8.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE | 1900 WINSTON RD. STE. 100 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $2K | $15K | 7.31% |
| IBENEFIT COMMUNICATION LLC3 | 6289 FAIRVIEW RD. STE. 210 CHARLOTTE, NC 28210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $74K | — | $74K | 38.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC. | 1900 WINSTON RD., STE. 100 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $32K | $3K | $35K | 17.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 220 S. RIDGEWOOD AVE. STE. 500 DAYTONA BEACH, FL 32114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 3.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC. | 1900 WINSTON RD. ST. 100 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $3K | $16K | 8.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 220 S. RIDGEWOOD AVE. STE. 500 DAYTONA BEACH, FL 32114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | — | $15K | 7.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC. | 1900 WINSTON RD. STE. 100 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $2K | $11K | 8.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 220 S. RIDGEWOOD AVE. STE. 500 DAYTONA BEACH, FL 32114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 7.80% |
| IBENEFIT COMMUNICATION LLC3 | 4400 PARK RD., STE. 311 CHARLOTTE, NC 28209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $113K | — | $113K | 89.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC. | 1900 WINSTON RD., STE. 100 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $48K | $2K | $50K | 39.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 220 S. RIDGEWOOD AVE. STE. 500 DAYTONA BEACH, FL 32114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 2.50% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN RD. SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 0.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE | 1900 WINSTON RD. STE. 100 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $1K | $7K | 8.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 220 S. RIDGEWOOD AVE. STE. 500 DAYTONA BEACH, FL 32114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 7.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 220 S. RIDGEWOOD AVE. STE. 500 DAYTONA BEACH, FL 32114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.22% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | 151 MAJOR REYNOLDS PL. STE. 210 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 220 S. RIDGEWOOD AVE. STE. 500 DAYTONA BEACH, FL 32114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.26% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | 151 MAJOR REYNOLDS PL. STE. 210 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 220 S. RIDGEWOOD AVE. STE. 500 DAYTONA BEACH, FL 32114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.23% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | 151 MAJOR REYNOLDS PL. STE. 210 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES INC | 1900 NORTH WINSTON ROAD SUITE 100 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $214 | $1K | 9.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC. | 220 S. RIDGEWOOD AVE. STE. 500 DAYTONA BEACH, FL 32114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 7.37% |
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 | 5,793 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,811 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 3,352 | $15.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 3,352 | $15.0M |
| Vision | AETNA LIFE INSURANCE COMPANY | 3,352 | $15.0M |
| Life insurance(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,793 | $417K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 705 | $154K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 605 | $105K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 3,352 | $15.0M |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,793 | $432K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,793 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
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.