| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DR STE 250 NASHVILLE, TN 37204 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $30K | — | $30K | 6.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $7K | $23K | 21.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID SOUTH | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 9.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $346 | — | $346 | 7.20% |
| DEBBIE PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $218 | $25 | $243 | 5.05% |
| NICHOLAS MOOR WEISSFELD3 | 1309 KNIGHTSBRIDGE DR KNOXVILLE, TN 37230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $13 | $54 | 1.12% |
| DANIEL JAMES PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.75% |
| SHEILA A SHELL3 Filed as: SHEILA SHELL | 413 MOSS TRAIL GOODLETTSVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.69% |
| LYNN MARIE BARRY3 | PO BOX 1287 LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.17% |
| WANDA CARVELL3 | 206 PARKES AVE LAWRENCEBURG, TN 38464 | MANHATTANLIFE INSURANCE AND ANNUITY COMPANY | $253 | — | $253 | 12.40% |
| LOUIS BARBER3 Filed as: LOUIS C BARBER | 8592 CORDES CIR GERMANTOWN, TN 38139 | MANHATTANLIFE INSURANCE AND ANNUITY COMPANY | $62 | — | $62 | 3.04% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 166 | $457K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $73K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $73K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $107K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $107K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $107K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.