| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $51K | $51K | 1.35% |
| PANCOAST & ASSOCIATES INC3 Filed as: PANCOAST AND ASSOCIATES INC | 4205 HILLSBORO ROAD SUITE 120 NASHVILLE, TN 37215 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $17K | $17K | 0.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 0.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | DELTA DENTAL OF TENNESSEE | $24K | — | $24K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE #250 NASHVILLE, TN 37204 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 7.82% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN INC | PO BOX 1313 ORLANDO, FL 32802 | STANDARD INSURANCE COMPANY | — | $7K | $7K | 4.96% |
| PANCOAST & ASSOCIATES INC3 | 4205 HILLSBORO PIKE SUITE 120 NASHVILLE, TN 37215 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE #250 NASHVILLE, TN 37204 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE #250 NASHVILLE, TN 37204 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 7.87% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN INC | PO BOX 1313 ORLANDO, FL 32802 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| PANCOAST & ASSOCIATES INC3 | 4205 HILLSBORO PIKE SUITE 120 NASHVILLE, TN 37215 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $676 | — | $676 | 0.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE #250 NASHVILLE, TX 37204 | STANDARD INSURANCE COMPANY | $642 | — | $642 | 0.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMI | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $2K | $3K | 10.71% |
| PANCOAST & ASSOCIATES INC3 Filed as: PANCOAST & ASSOCI INC | 4205 HILLSBORO ROAD SUITE 120 NASHVILLE, TN 37215 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $871 | — | $871 | 2.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 2086 OLD TAYLOR ROAD SUITE 202 OXFORD, MS 38655 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $578 | — | $578 | 1.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID SOUTH | 3011 ARMOORY DRIVE SUITE 250 NASHVILLE, TN 37204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $555 | — | $555 | 1.76% |
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 | 275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 243 | $3.8M |
| Dental | DELTA DENTAL OF TENNESSEE | 602 | $235K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $32K |
| Life insurance | STANDARD INSURANCE COMPANY | 266 | $140K |
| Long-term disability | STANDARD INSURANCE COMPANY | 214 | $80K |
| Other | STANDARD INSURANCE COMPANY | 266 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 602 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.