| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE NASHVILLE, TN 37204 | AETNA LIFE INSURANCE COMPANY | $11K | $26K | $37K | 6.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5205 MARYLAND WAY BRENTWOOD, TN 37027 | AETNA LIFE INSURANCE COMPANY | $0 | $12K | $12K | 2.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 9706 CAPSTONE COURT BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $3K | $0 | $3K | 5.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3011 ARMORY DRIVE, SUITE 250 NASHVILLE, TN 37204 | DELTA DENTAL OF TENNESSEE | $3K | $0 | $3K | 4.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3011 ARMORY DRIVE, SUITE 250 NASHVILLE, TN 37204 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $21 | $4K | 9.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 DACILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $338 | $338 | 0.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $169 | $169 | 0.41% |
| AUSTIN MADISON3 | 3011 ARMORY DRIVE, SUITE 250 NASHVILLE, TN 37204 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $3K | $0 | $3K | 37.49% |
| STEPHANIE HAWKINS3 Filed as: STEPHANIE P. HAWKINS | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $493 | $0 | $493 | 5.69% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 199 | $583K |
| Dental | DELTA DENTAL OF TENNESSEE | 186 | $60K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 158 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 169 | $41K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 169 | $41K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 169 | $41K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 199 | $583K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 169 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.