| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID L. DRUMMOND3 Filed as: DAVID L DRUMMOND | 5110 MARYLAND WAY STE 250 BRENTWOOD, TN 37027 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $32K | — | $32K | 5.34% |
| JAMES E MCELHANEY3 | 1610 S CHURCH STREET STE A MURFREESBORO, TN 37130 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $3K | — | $3K | 0.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SO | PO BOX 2158 RIVERSIDE, CA 92516 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $175 | $2K | 16.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SO | PO BOX 2158 RIVERSIDE, CA 92516 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $156 | $2K | 16.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E. JACKSON CHICAGO, IL 60604 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $835 | — | $835 | 8.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO., | A MARSH MCLENNAN AGENCY LLC COMPANY 1610 S. CHURCH STREET SUITE A MURFREESBORO, TN 37130 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $171 | — | $171 | 1.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SO | PO BOX 2158 RIVERSIDE, CA 92516 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $107 | $1K | 16.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SO | PO BOX 2158 RIVERSIDE, CA 92516 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $77 | $7 | $84 | 16.31% |
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 | 104 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 180 | $598K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 180 | $598K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 62 | $10K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $13K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 28 | $8K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 103 | $12K |
| Prescription drug | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 180 | $598K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $515 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.