| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTRENTIONAL MIDWEST LIMITED | 3011 ARMORY DRIVE, SUITE 250 NASHVILLE, TN 37204 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $0 | $15K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE, SUITE 250 NASHVILLE, TN 37204 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $9K | $13K | 2.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 19.17% |
| CHAD LEONARD JOHNSON3 | 194 WILLOWRIDGE CIRCLE JACKSON, TN 38305 | AFLAC | $894 | $0 | $894 | 7.47% |
| HAZEL G JOHNSON3 | 67 ROCKWOOD DRIVE JACKSON, TN 38305 | AFLAC | $379 | $0 | $379 | 3.17% |
| DARIAN NULL3 Filed as: DARIAN W NULL | 248 GROOM AVENUE COVINGTON, TN 38019 | AFLAC | $253 | $0 | $253 | 2.12% |
| CHARLES HARTHUN3 Filed as: CHARLES B HARTHUN AND OTHER AGENTS | 419 TYLER TERMINAL JAMESTOWN, TN 38556 | AFLAC | $226 | $0 | $226 | 1.89% |
| TIMOTHY CLENNEY3 | 267 RAMBLEWOOD DRIVE JACKSON, TN 38305 | AFLAC | $149 | $0 | $149 | 1.25% |
| DORAH ELIZABETH JOHNSON3 Filed as: DORAH E JOHNSON | 584 WAYNESBORO HIGHWAY WAYNESBORO, TN 38485 | AFLAC | $83 | $0 | $83 | 0.69% |
| STEVEN BREWER3 Filed as: STEVEN W BREWER | 1081 GROVES ROAD PIKEVILLE, TN 37367 | AFLAC | $78 | $0 | $78 | 0.65% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 115 | $495K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 115 | $495K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 115 | $495K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $25K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 115 | $495K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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."
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.