| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JENNIFER BAILEY3 | 1900 16TH STREET SUITE 1000 DENVER, CO 80202 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $136K | $0 | $136K | 2.64% |
| CHARLES BOYD3 | 2487 CEDARCREST RD SUITE 122 ACWORTH, GA 30101 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $35K | $0 | $35K | 0.68% |
| PRESTON DEANS3 | 1900 16TH STREET SUITE 1000 DENVER, CO 80202 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $18K | $0 | $18K | 0.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 6650 METAIRIE, LA 70009 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.64% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.33% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $6K | $698 | $7K | 8.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 3510 N CAUSEWAY BLVD METAIRIE, LA 70002 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $1K | $298 | $2K | 2.18% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $53 | $53 | 0.06% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $9K | $2K | $11K | 13.68% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $3K | $3K | 3.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 3510 N CAUSEWAY BLVD METAIRIE, LA 70002 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | $415 | $2K | 3.04% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $2K | $0 | $2K | 4.20% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $4K | $720 | $5K | 9.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 3510 N CAUSEWAY BLVD METAIRIE, LA 70002 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $912 | $182 | $1K | 2.11% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $466 | $466 | 0.90% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | $0 | $12K | 61.65% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 66.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 68.73% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 65.32% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 72.71% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 61.45% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 60.71% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731296 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $213 | $0 | $213 | 53.79% |
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 | 1,382 | 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) | 1,382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 1,024 | $5.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,535 | $344K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 1,031 | $59K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 322 | $82K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 322 | $82K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 379 | $52K |
| Other(9 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 322 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,535 | — |
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.
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.