| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOUIE B HOOP III3 | 5200 MARYLAND WAY STE 320 BRENTWOOD, TN 37027 | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | $116K | — | $116K | 3.66% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES | POST OFFICE BOX 1863 CEDAR RAPIDS, IA 52406 | UNION SECURITY INSURANCE COMPANY | $27K | — | $27K | 9.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 0.74% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH INSURANCE AGENCY | POST OFFICE BOX 1863 CEDAR RAPIDS, IA 52406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $1K | $9K | 11.60% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES | 5200 MARYLAND WAY BRENTWOOD, TN 37027 | UNION SECURITY INSURANCE COMPANY | $12K | — | $12K | 22.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 6.12% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH INSURANCE AGENCY | POST OFFICE BOX 1863 CEDAR RAPIDS, IA 52406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $1K | $8K | 17.24% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES | 5200 MARYLAND WAY BRENTWOOD, TN 37027 | UNION SECURITY INSURANCE COMPANY | $9K | — | $9K | 23.32% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 6.18% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH INSURANCE AGENCY | POST OFFICE BOX 1863 CEDAR RAPIDS, IA 52406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $908 | $206 | $1K | 12.27% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH INSURANCE AGENCY | POST OFFICE BOX 1863 CEDAR RAPIDS, IA 52406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $3K | $19K | — |
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 | 416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TENNESSEE, INC. | 870 | $3.2M |
| Dental | UNION SECURITY INSURANCE COMPANY | 373 | $292K |
| Vision | UNION SECURITY INSURANCE COMPANY | 373 | $292K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 416 | $0 |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 416 | $76K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 416 | $46K |
| Other(4 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 416 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 870 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.