| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $51K | $51K | 4.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 0.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 13.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR. 40 W MADISON 4TH FL BOALOCKBOXSVS CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 2.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $2K | — | $2K | 11.96% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | UNION SECURITY INSURANCE COMPANY | $178 | — | $178 | 8.73% |
| LARA K GRANDE3 Filed as: LARA K. GRANDE | 1022 WESTHAVEN BLVD. FRANKLIN, TN 37064 | AFLAC | $72 | — | $72 | 7.49% |
| DWIGHT A. WAGNER3 | 742 WILLOWSPRINGS BLVD. FRANKLIN, TN 37064 | AFLAC | $63 | — | $63 | 6.56% |
| J GARY CAVE3 Filed as: J.GARY CAVE | 6412 HARDING PIKE NASHVILLE, TN 37205 | AFLAC | $36 | — | $36 | 3.75% |
| WILLIAM A BRIGGS3 | 1731 GAY THOMPSON RD RAMER, TN 38367 | AFLAC | $13 | — | $13 | 1.35% |
| KELSEY DAVID EVERT3 | 2055 N. MOUNT JULIET RD, STE 201 MOUNT JULIET, TN 37122 | AFLAC | $12 | — | $12 | 1.25% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DRIVE, STE 108 MURFREESBORO, TN 37129 | AFLAC | $9 | — | $9 | 0.94% |
| NOLAN DOYLE MCCUE3 | 541 N. MOUNT JULIET RD., STE 2201A MOUNT JULIET, TN 37122 | AFLAC | $9 | — | $9 | 0.94% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BLVD BRENTWOOD, TN 37027 | AFLAC | $5 | — | $5 | 0.52% |
| DAVID M CRUMLEY3 Filed as: DAVID E. WATSON | PO BOX 3094 BRENTWOOD, TN 37024 | AFLAC | $4 | — | $4 | 0.42% |
| CRUSER MARKETING INC3 Filed as: CRUSER MARKETING, INC. | 7516 BLUEBONNET BLVD, #116 BATON ROUGE, LA 70810 | AFLAC | $4 | — | $4 | 0.42% |
| BRENDA S SPEER3 Filed as: BRENDA S. SPEER | PO BOX 327 PULASKI, TN 38478 | AFLAC | $3 | — | $3 | 0.31% |
| WILLIAM D HEYDEL3 Filed as: WILLIAM D. HEYDEL | 524 CROWELL LANE LEBANON, TN 37087 | AFLAC | $3 | — | $3 | 0.31% |
| WILLIAM D HEYDEL3 Filed as: WILLIAM D. HEYDEL | 109 N. CASTLE HEIGHTS AVE LEBANON, TN 37087 | AFLAC | $1 | — | $1 | 0.10% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 266 | $1.1M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 144 | $19K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 490 | $59K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 490 | $59K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 266 | $1.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 490 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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."
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.