| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID SOUTH | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $743K | — | $743K | 7.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 7906 PLAYERS FOREST DRIVE MEMPHIS, TN 381199171 | METROPOLITAN LIFE INSURANCE COMPANY | $570K | $47 | $570K | 7.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $89K | $89K | 1.15% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 600694337 | METROPOLITAN LIFE INSURANCE COMPANY | — | $71K | $71K | 0.92% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 901 MAIN STREET SUITE 5800 DALLAS, TX 752023707 | METROPOLITAN LIFE INSURANCE COMPANY | — | $542 | $542 | 0.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $193K | — | $193K | 5.00% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC | 3350 RIVERWOOD PARKWAY SUITE 80 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $386K | $42K | $428K | 16.42% |
| EDWIN W BARNETT3 | BARNETT BENEFITS LLC 7906 PLAYERS FOREST DRIVE, SUITE 1 MEMPHIS, TN 38119 | UNUM INSURANCE COMPANY | $67K | $13K | $80K | 3.07% |
| BENEFITSTORE INC3 | BENEF LOCKBOX NUMBER 893383 1501 NORTH PLANO RD, SUITE 100 RICHARDSON, TX 75081 | UNUM INSURANCE COMPANY | $12K | $576 | $12K | 0.46% |
| EDWIN W BARNETT3 | 7906 PLAYERS FOREST DRIVE SUITE 1 MEMPHIS, TN 38119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $430K | — | $430K | 19.55% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | CONTINENTAL AMERICAN INSURANCE COMPANY | $121K | — | $121K | 5.52% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$85 | — | -$85 | -0.00% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC | 3350 RIVERWOOD PARKWAY SUITE 80 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $507K | $40K | $548K | 27.31% |
| EDWIN W BARNETT3 | BARNETT BENEFITS LLC SUITE 1 MEMPHIS, TN 38119 | UNUM INSURANCE COMPANY | $180K | $24K | $205K | 10.20% |
| BENEFITSTORE INC3 | BENEF LOCKBOX NUMBER 893383 1501 NORTH PLANO RD, SUITE 100 RICHARDSON, TX 75081 | UNUM INSURANCE COMPANY | $96K | $6K | $102K | 5.07% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC | 3350 RIVERWOOD PARKWAY SUITE 80 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $424K | $31K | $455K | 32.92% |
| EDWIN W BARNETT3 | BARNETT BENEFITS LLC SUITE 1 MEMPHIS, TN 38119 | UNUM INSURANCE COMPANY | $155K | $17K | $172K | 12.47% |
| BENEFITSTORE INC3 | BENEF LOCKBOX NUMBER 893383 1501 NORTH PLANO RD, SUITE 100 RICHARDSON, TX 75081 | UNUM INSURANCE COMPANY | $84K | $4K | $89K | 6.42% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICE OF PUERTO RICO | 304 AVENUE PONCE DE LANE 100 #1000 SAN JUAN, PR 00918 | TRIPLE-S SALUD, INC | $67K | — | $67K | 5.00% |
| BARNETT BENEFITS LLC3 | 7906 PLAYERS FOREST DRIVE SUITE 1 MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $16K | $57K | 7.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIM | 5110 MARYLAND WAY SUITE 250 BRENTWOOD, TN 37027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $4K | $18K | 5.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - TAMPA | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 2.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIM | 5110 MARYLAND WAY SUITE 250 BRENTWOOD, TN 37027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 4.95% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - TAMPA | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 3.15% |
| EDWIN W BARNETT3 | BARNETT BENEFITS LLC 7906 PLAYERS FOREST DRIVE, SUITE 1 MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 118.43% |
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 | 98,789 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 144 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 98,933 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 941 | $12.2M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF TENNESSEE | 37,343 | $10.4M |
| Vision | VISION SERVICE PLAN | 19,434 | $3.9M |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 62,455 | $8.3M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $3K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 55,991 | $10.6M |
| Prescription drug(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 941 | $12.2M |
| Other(8 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 62,455 | $17.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 62,455 | — |
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.