| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DR. SUITE 250 NASHVILLE, TN 37204 | AMERICAN UNITED LIFE INSURANCE COMPANY | $21K | — | $21K | 15.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SE | STE 600 MINNEAPOLIS, MN 55416 | AMERICAN UNITED LIFE INSURANCE COMPANY | -$95 | — | -$95 | -0.07% |
| ALAN W FOSTER3 Filed as: ALAN W. FOSTER | 716 FRENCH RIVER RD. NOLENSVILLE, TN 37135 | AFLAC | $26K | $2K | $28K | 25.74% |
| AARON SPELZHAUS3 Filed as: AARON Z. SPELZHAUS | 3281 HOLIDAY LN. COLUMBIA, TN 38401 | AFLAC | $9K | $100 | $10K | 8.78% |
| JORDAN S SMITH3 Filed as: JORDAN S. SMITH | 307 SOUTHGATE CT. STE 130 BRENTWOOD, TN 37027 | AFLAC | $5K | — | $5K | 4.49% |
| JOHN WILLIAM HENDLEY3 | 102 PEARTREE DR. HENDERSONVILLE, TN 37075 | AFLAC | $2K | — | $2K | 1.92% |
| WILLIAM ANDREW LOONEY3 | 1618 SHORT RD. PETERSBURG, TN 37144 | AFLAC | $382 | — | $382 | 0.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DR. SUITE 250 NASHVILLE, TN 37204 | DELTA DENTAL OF TENNESSEE | $9K | — | $9K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DR. NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $5K | $15K | 22.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5910 TOOLE DR. KNOXVILLE, TN 37919 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 11.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 3.65% |
| BERNARD HEALTH LLC3 | 2817 WEST END AVE SUITE 126-281 NASHVILLE, TN 37203 | HARTFORD LIFE AND ACCIDENT | $22 | — | $22 | 0.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DR. NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $7K | 19.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DR. SUITE 250 NASHVILLE, TN 37204 | DELTA DENTAL OF TENNESSEE | $2K | — | $2K | 10.00% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHED | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $396 | $4K | 22.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DR. SUITE 250 NASHVILLE, TN 37204 | DELTA DENTAL OF TENNESSEE | $2K | — | $2K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DR. NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DR. STE 250 NASHVILLE, TN 37204 | DELTA DENTAL OF TENNESSEE | $419 | — | $419 | 9.99% |
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 | 273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF TENNESSEE | 315 | $119K |
| Vision(2 contracts) | DELTA DENTAL OF TENNESSEE | 269 | $21K |
| Life insurance(5 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 82 | $285K |
| Short-term disability(4 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 82 | $249K |
| Long-term disability(4 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 82 | $249K |
| Other(6 contracts, 4 carriers) | AFLAC | 114 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.