| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE STE 250 NASHVILLE, TN 37204 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $48K | $48K | 5.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3635 RIVERSIDE PLAZA DRIVE RIVERSIDE, CA 92506 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.15% |
| 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 | $28K | $7K | $35K | 14.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $170 | $18 | $188 | 7.19% |
| NICHOLAS MOOR WEISSFELD3 | 1309 KNIGHTSBRIDGE DR KNOXVILLE, TN 37230 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $62 | $15 | $77 | 2.95% |
| DANIEL JAMES PERKINS3 | 9655 BRUNSWICK DRIVE BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 2.60% |
| BENEFOUNDRY INC3 Filed as: BENEFOUNDRY INC. | 3013 LARGE HOP LN. ANTIOCH, TN 37013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $6 | $20 | 0.77% |
| SHEILA A SHELL3 Filed as: SHEILA SHELL | 413 MOSS TRAIL GOODLETTSVILLE, TN 37072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.54% |
| LYNN MARIE BARRY3 | 301 W. PARK AVE LANGHORNE, PA 19047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.27% |
| WANDA CARVELL3 | 206 PARKES AVE LAWRENCEBURG, TN 38464 | MANHATTANLIFE INSURANCE AND ANNUITY COMPANY | $237 | — | $237 | 11.62% |
| LOUIS BARBER3 Filed as: LOUIS C. BARBER | 8592 CORDES CIR GERMANTOWN, TN 38139 | MANHATTANLIFE INSURANCE AND ANNUITY COMPANY | $61 | — | $61 | 2.99% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 114 | $912K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $238K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $238K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $238K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $238K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $238K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.