| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2120 PEWAUKEE ROAD, SUITE 202 WAUKESHA, WI 53188 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 6.74% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 4.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | STANDARD INSURANCE COMPANY | $0 | $298 | $298 | 0.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 392 TRAVERSE CITY, MI 49685 | DELTA DENTAL OF KENTUCKY | $2K | $0 | $2K | 5.16% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | 1120 MAIN STREET BENTON, KY 42025 | DELTA DENTAL OF KENTUCKY | $2K | $0 | $2K | 4.01% |
| AMY B CITRON3 Filed as: AMY B CITRON AND OTHER AGENTS | 1024 GRANADA AVENUE NASHVILLE, TN 37206 | AFLAC | $2K | $0 | $2K | 9.77% |
| KIM DIANE JONES3 | 533 BELLWOOD ROAD LEBANON, TN 37087 | AFLAC | $694 | $0 | $694 | 2.89% |
| KENNETH R APPLE3 | 830 WILLOW TREE CIRCLE CORDOVA, TN 38018 | AFLAC | $422 | $0 | $422 | 1.76% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DRIVE KNOXVILLE, TN 37922 | AFLAC | $139 | $0 | $139 | 0.58% |
| ROBERT L GOBLE3 | 250 34TH AVENUE NE HICKORY, NC 28601 | AFLAC | $118 | $0 | $118 | 0.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 427 BENTON, KY 42025 | VISION SERVICE PLAN | $814 | $0 | $814 | 6.90% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $15 | $0 | $15 | 0.13% |
| ASSUREDPARTNERS3 Filed as: PEEL AND HOLLAND INC | PO BOX 427 BENTON, KY 42025 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 18.06% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 134 | $41K |
| Vision | VISION SERVICE PLAN | 79 | $12K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 128 | $67K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 128 | $67K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 128 | $67K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 128 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.
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.