| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE, SUITE 250 NASHVILLE, TN 37204 | UNITED HEALTHCARE INSURANCE COMPANY | $69K | — | $69K | 7.56% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTER INS SRVCS INC | ATTN ACCOUNTING, 800 MAIN ST DUBUQUE, IA 52001 | UNITED HEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 1.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $13K | — | $13K | 9.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TENNESSEE | 6 CADILLAC DR STE 200 BRENTWOOD, TN 37027 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 1.55% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE | 800 MAIN STREET DUBUQUE, IA 52001 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 0.99% |
| CAPITOL GROUP HEALTH SERVICES3 | 230 GREENCASTLE RD TYRONE, GA 30290 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $330 | — | $330 | 0.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: LIMITED HUB INTERNATIONAL MIDWEST | P.O. BOX 6650 METAIRIE, LA 70009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52K | — | $52K | 61.88% |
| LORI R GRIZZELL3 | 1069 S HEWITT RD BOWLING GREEN, KY 42103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28K | — | $28K | 33.06% |
| PHILLIP D BLAKEMAN3 | 217 REMBRANDT DRIVE ELIZABETH TOWN, KY 42701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.63% |
| PAMELA SATTERLY3 | 305 WILLIAMSBURG ROAD FRANKLIN, KY 42134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.52% |
| WILLIAM JONES3 Filed as: WILLIAM D JONES | 2317 RUSSELLVILLE RD #1 BOWLING GREEN, KY 42101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $409 | — | $409 | 0.49% |
| TIMOTHY CLENNEY3 | PO BOX 562 PARSON, TN 38363 | CONTINENTAL AMERICAN INSURANCE COMPANY | $134 | — | $134 | 0.16% |
| STEVEN BREWER3 | 715 PINE RIDGE RD LEXINGTON, TN 38351 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.07% |
| GERALD J DAVIS3 | 11260 CHESTER RD STE 500 CINCINNATI, OH 45246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.04% |
| DOWDY INSURANCE3 Filed as: DOWDY INSURANCE LLC | 7352 WALL TRIANA HWY MADISON, AL 35757 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| MEGHAN FITCH3 | 26 SUMMERLAND CT LITTLE ROCK, AR 72227 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| NATHAN JONES3 | 216 S PASTURE LN MUNCIE, IN 47304 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| FRANK ANTHONY LAIRD3 Filed as: FRANK A LAIRD | 4365 WOODLAND HILL DRIVE KEVIL, KY 42053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| TAMI S GILL3 | 53 MICHELLE COVE BRIGHTON, TN 38011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| DORA DASILVA3 Filed as: DORA R DA SILVA | 7906 PLAYERS FOREST MEPHIS, TN 38119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DENNIS S HARTIN3 | 14506 MIRASOL MANOR CT TAMPA, FL 33626 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CLIFFORD FRANKLIN BROOKS3 Filed as: CLIFFORD FRANK BROOKS | 9200 SHELBYVILLE RD SUITE 605 LOUISVILLE, KY 40222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
| JAY S OLEARY3 Filed as: JAY S O'LEARY | 301 MALLORY STATION RD STE 100 FRANKLIN, TN 37067 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
| MICHAEL P JONES3 | 4235 MARSH LANDING BLVD 521 JACKSONVILLE BEACH, FL 32250 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
| STEVEN D HILL3 | 389 CLAYPOOL BOYCE ROAD ALVATON, KY 42122 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
| KATHRYN SUZANNE AXENTE3 Filed as: KATHRYN S AXENTE | 7020 PELICAN ISLAND TAMPA, FL 33634 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
| MILTON E WUERTZ3 | 1017 BELMONT DRIVE DICKSON, TN 37055 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
| CODY B WHITEHEAD3 | 22 COTTON BLOSSOM CV JACKSON, TN 38305 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$3 | — | -$3 | -0.00% |
| PRENTISS L BALLARD3 | 322 ARLINGTON AVE JACKSON, TN 38301 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$6 | — | -$6 | -0.01% |
| DARIAN NULL3 Filed as: DARIAN W NULL | 248 GROOM AVE COVINGTON, TN 38019 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$7 | — | -$7 | -0.01% |
| CHARLES HARTHUN3 | 10396 SW 65TH TER OCALA, FL 34476 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$17 | — | -$17 | -0.02% |
| MELANIE P HURST3 | 81 COOPER ANDERSON RD JACKSON, TN 38305 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$48 | — | -$48 | -0.06% |
| EDWIN W BARNETT3 | 7906 PLAYERS FOREST DR SUITE 1 MEPHIS, TN 38119 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$740 | — | -$740 | -0.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID SOUTH | 3011 ARMORY DR STE 250 NASHVILLE, TN 37204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 22.38% |
| EDWIN W BARNETT3 | 7906 PLAYERS FOREST DRIVE MEMPHIS, TN 38119 | DEARBORN LIFE INSURANCE COMPANY | $23K | — | $23K | 100.00% |
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 | 953 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 962 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 731 | $914K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 731 | $914K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 950 | $23K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 2 | $84K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 221 | $38K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 731 | $914K |
| Other(3 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 950 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 950 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.