| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILDRETH AGENCY3 | 10259 KINGSTON PIKE KNOXVILLE, TN 37922 | HARTFORD LIFE AND ACCIDENT | $54K | — | $54K | 11.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | DELTA DENTAL OF TENNESSEE | — | — | $0 | 0.00% |
| GREGORY SHERROD | 3011 ARMORY DR STE 250 NASHVILLE, TN 37204 | BLUE RE OF TENNESSEE | $4K | — | $4K | 1.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INS CO | $23K | — | $23K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INS CO | $17K | — | $17K | 15.00% |
| JOHN HILDRETH CLU3 | 10259 KINGSTON PIKE STE A KNOXVILLE, TN 37922 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 N CAUSEWAY BLVD SUITE 200 METAIRIE, LA 70002 | NATIONAL GUARDIAN LIFE INSURANCE CO | $2K | — | $2K | 7.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INS CO | $4K | — | $4K | 15.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSWWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE CO | $3K | — | $3K | 15.00% |
| JOHN HILDRETH CLU3 | 10259 KINGSTON PIKE STE A KNOXVILLE, TN 379223222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 19.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INS CO | $2K | — | $2K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRE, LA 70002 | RELIANCE STANDARD LIFE INS CO | $1K | — | $1K | 15.00% |
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 | 337 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE RE OF TENNESSEE | 737 | $225K |
| Dental | DELTA DENTAL OF TENNESSEE | 707 | $370K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE CO | 204 | $33K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INS CO | 315 | $161K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INS CO | 120 | $140K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 202 | $464K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 63 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 737 | — |
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.