| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE, SUITE 250 NASHVILLE, TN 37204 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $8K | $26K | 5.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3635 RIVERSIDE PLAZA DRIVE RIVERSIDE, CA 92506 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $300 | $300 | 0.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $541 | $4K | 15.81% |
| HAZEL G JOHNSON3 Filed as: HAZEL G. JOHNSON | 67 ROCKWOOD DRIVE JACKSON, TN 38305 | AFLAC | $426 | $0 | $426 | 3.59% |
| CHAD LEONARD JOHNSON3 | 194 WILLOWRIDGE CIRCLE JACKSON, TN 38305 | AFLAC | $328 | $0 | $328 | 2.76% |
| CHARLES HARTHUN3 Filed as: CHARLES B. HARTHUN AND OTHER AGENTS | 419 TYLER TRAIL JAMESTOWN, TN 38556 | AFLAC | $298 | $0 | $298 | 2.51% |
| DARIAN NULL3 Filed as: DARIAN W. NULL | 248 GROOM AVENUE COVINGTON, TN 38019 | AFLAC | $134 | $0 | $134 | 1.13% |
| STEVEN BREWER3 Filed as: STEVEN W. BREWER | 1081 GROVES ROAD PIKEVILLE, TN 37367 | AFLAC | $108 | $0 | $108 | 0.91% |
| KIMBERLY A. BRANTLEY3 | 96 REBEL ROAD JACKSON, TN 38301 | AFLAC | $106 | $0 | $106 | 0.89% |
| DORAH ELIZABETH JOHNSON3 Filed as: DORAH E. JOHNSON | 584 WAYNESBORO HIGHWAY WAYNESBORO, TN 38485 | AFLAC | $83 | $0 | $83 | 0.70% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 154 | $444K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 154 | $444K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 154 | $444K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $25K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 154 | $444K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.