| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUSTIN MADISON3 Filed as: AUSTIN L MADISON | 3011 ARMOY DRIVE, SUITE 250 NASHVILLE, TN 37204 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $220K | $0 | $220K | 3.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5910 TOOLE DRIVE KNOXVILLE, TN 37919 | HARTFORD LIFE AND ACCIDENT | $66K | $0 | $66K | 10.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUN INTERNATIONAL MIDWEST LIMITED | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | HARTFORD LIFE AND ACCIDENT | $0 | $19K | $19K | 3.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | DELTA DENTAL OF TENNESSEE | $13K | $0 | $13K | 2.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE, SUITE 250 NASHVILLE, TN 37204 | DELTA DENTAL OF TENNESSEE | $12K | $0 | $12K | 2.41% |
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 | 1,045 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,050 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,165 | $6.8M |
| Dental | DELTA DENTAL OF TENNESSEE | 1,619 | $496K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,165 | $6.8M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,045 | $613K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,045 | $613K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,045 | $613K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 1,165 | $6.8M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,138 | $623K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,619 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.