| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 MATAIRIE, LA 70002 | CIGNA HEALTH AND LIFE INSURANCE CO | $124K | — | $124K | 12.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | DELTA DENTAL OF TENNESSEE | — | — | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INS CO | $60K | — | $60K | 15.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INS CO | -$326 | — | -$326 | -0.08% |
| HILDRETH AGENCY3 | 10259 KINGSTON PIKE KNOXVILLE, TN 37922 | HARTFORD LIFE AND ACCIDENT | $47K | — | $47K | 12.00% |
| JOHN HILDRETH CLU3 | 10259 KINGSTON PIKE STE A KNOXVILLE, TN 37922 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $58K | — | $58K | 19.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INS CO | $30K | — | $30K | 15.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INS CO | -$82 | — | -$82 | -0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | NATIONAL GUARDIAN LIFE INSURANCE CO | $12K | — | $12K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INS CO | $11K | — | $11K | 15.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INS CO | -$29 | — | -$29 | -0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRE, LA 70002 | RELIANCE STANDARD LIFE INS CO | $3K | — | $3K | 15.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INS CO | -$50 | — | -$50 | -0.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INS CO | $7K | — | $7K | 112.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC | 265 BROOKVIEW CENTRE WAY SUITE 505 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INS CO | -$6K | — | -$6K | -97.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 ADMIN SERVICES AGREEMENT | Named fiduciary; Contract Administrator; Non-monetary compensation; Claims processing; Participant communication; Float revenue; Direct payment from the plan; Other services Service code 12 | 900 COTTAGE GROVE RD BLOOMFIELD, CT 06002 | $522K |
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 | 1,388 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 1,888 | $533K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE CO | 871 | $122K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INS CO | 1,348 | $418K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INS CO | 437 | $267K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,560 | $399K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE CO | 1,817 | $1.0M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 95 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,888 | — |
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."
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.