| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUSTIN MADISON3 Filed as: AUSTIN L MADISON | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $39K | — | $39K | 63.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE NASHVILLE, TN 37204 | UNITED OF OMAHA LIE INSURANCE COMPANY | $4K | $2K | $6K | 23.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 22.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 22.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $935 | $620 | $2K | 16.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $643 | $492 | $1K | 17.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $407 | $213 | $620 | 22.85% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 97 | $62K |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 97 | $62K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $23K |
| Short-term disability | UNITED OF OMAHA LIE INSURANCE COMPANY | 45 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 29 | $20K |
| Stop-loss / reinsurancereinsurance(2 contracts) | TOKIO MARINE HCC | 84 | $374K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.