| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILDRETH AGENCY3 | 10259 KINGSTON PIKE KNOXVILLE, TN 37922 | HARTFORD LIFE AND ACCIDENT | $63K | — | $63K | 12.18% |
| 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 | $2K | — | $2K | 0.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INS CO | $26K | — | $26K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INS CO | $19K | — | $19K | 15.00% |
| JOHN HILDRETH CLU3 | 10259 KINGSTON PIKE STE A KNOXVILLE, TN 37922 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 N CAUSEWAY BLVD SUITE 200 METAIRIE, LA 70002 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 11.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INS CO | $5K | — | $5K | 20.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSWWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE CO | $4K | — | $4K | 17.83% |
| JOHN HILDRETH CLU3 | 10259 KINGSTON PIKE STE A KNOXVILLE, TN 379223222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.00% |
| 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 | $2K | — | $2K | 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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE RE OF TENNESSEE | 849 | $227K |
| Dental | DELTA DENTAL OF TENNESSEE | 820 | $236K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 566 | $36K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INS CO | 324 | $186K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INS CO | 122 | $146K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 220 | $528K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 72 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 849 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.