| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | $24K | $53K | 8.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | DELTA DENTAL OF TENNESSEE | — | — | $0 | 0.00% |
| HILDRETH AGENCY3 | 10259 KINGSTON PIKE KNOXVILLE, TN 37922 | HARTFORD LIFE AND ACCIDENT | $51K | — | $51K | 12.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INS CO | $61K | — | $61K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INS CO | $34K | — | $34K | 15.00% |
| JOHN HILDRETH CLU3 | 10259 KINGSTON PIKE STE A KNOXVILLE, TN 37922 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 21.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 N CAUSEWAY BLVD SUITE 200 METAIRIE, LA 70002 | NATIONAL GUARDIAN LIFE INSURANCE CO | $13K | — | $13K | 10.00% |
| JOHN HILDRETH CLU3 | 10259 KINGSTON PIKE STE A KNOXVILLE, TN 379223222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 21.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INS CO | $11K | — | $11K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INS CO | $8K | — | $8K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRE, LA 70002 | RELIANCE STANDARD LIFE INS CO | $3K | — | $3K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 62-0427913 ADMIN SERVICES AGREEMENT | Contract Administrator Service code 13 | 6305 KINGSTON PIKE 4905 KNOXVILLE, TN 37919 | $438K |
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 | 1,427 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE RE OF TENNESSEE | 1,909 | $46K |
| Dental | DELTA DENTAL OF TENNESSEE | 2,285 | $560K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE CO | 903 | $128K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INS CO | 1,388 | $433K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INS CO | 446 | $296K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,624 | $478K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,011 | $623K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 69 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,285 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.