| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $56K | $56K | 6.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $1K | $11K | 18.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 9.91% |
| LARA K GRANDE3 | 1022 WESTHAVEN BLVD. FRANKLIN, TN 37064 | AFLAC | $153 | $19 | $172 | 14.21% |
| DWIGHT A. WAGNER3 Filed as: DWIGHT A WAGNER | 742 WILLOWSPRINGS BLVD FRANKLIN, TN 37064 | AFLAC | $57 | — | $57 | 4.71% |
| NOLAN DOYLE MCCUE3 | 242 HERITAGE PARK DRIVE, SUITE 108 MURFREESBORO, TN 37129 | AFLAC | $43 | $4 | $47 | 3.88% |
| J GARY CAVE3 | 6412 HARDING PIKE NASHVILLE, TN 37205 | AFLAC | $33 | — | $33 | 2.73% |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET RD, SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $27 | $4 | $31 | 2.56% |
| WILLIAM A BRIGGS3 | 1731 GAY THOMPSON RD RAMER, TN 38367 | AFLAC | $12 | — | $12 | 0.99% |
| RICHARD D HEYDEL3 | 1921 OLD HICKORY BLVD. BRENTWOOD, TN 37024 | AFLAC | $5 | — | $5 | 0.41% |
| DAVID M CRUMLEY3 Filed as: DAVID E WATSON | PO BOX 3094 BRENTWOOD, TN 37024 | AFLAC | $4 | — | $4 | 0.33% |
| CRUSER MARKETING INC3 Filed as: CRUSER MARKETING, INC. | 7516 BLUEBONNET BLVD. 116 BATON ROUGE, LA 70810 | AFLAC | $4 | — | $4 | 0.33% |
| BRENDA S SPEER3 | PO BOX 327 PULASKI, TN 38478 | AFLAC | $2 | — | $2 | 0.17% |
| WILLIAM D HEYDEL3 Filed as: WILLIAM HEYDEL | 109 N CASTLE HEIGHTS AVE. LEBANON, TN 37087 | AFLAC | $2 | — | $2 | 0.17% |
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) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 147 | $849K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 64 | $47K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 64 | $47K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 488 | $59K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 488 | $59K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 147 | $849K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 488 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.