| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANK E. NEAL & CO.3 Filed as: FRANK E. NEAL AND COMPANY | 193 B POLK AVENUE NASHVILLE, TN 37210 | GUARDIAN | $410K | $0 | $410K | 10.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TENNESSEE, INC. | UNKNOWN MURFREESBORO, TN 37129 | GUARDIAN | $0 | $25K | $25K | 0.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LTD | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $10K | $0 | $10K | 6.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN | PO BOX 40507 NASHVILLE, TN 37204 | DELTA DENTAL OF TENNESSEE | $5K | $0 | $5K | 3.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 2.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3635 RIVERSIDE PLAZA DRIVE SUITE 300 RIVERSIDE, CA 92506 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $782 | $782 | 1.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF TENNESSEE, INC. | 6 CADILLAC DRIVE BRENTWOOD, TN 37027 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $571 | $0 | $571 | 1.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN | PO BOX 2456 CLEARWATER, FL 33757 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $289 | $289 | 0.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 6.70% |
| FRANK E. NEAL & CO.3 Filed as: FRANK E. NEAL AND COMPANY INC. | 193 POLK AVENUE, SUITE B NASHVILLE, LA 37210 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $530 | $0 | $530 | 3.30% |
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 | 3,288 | 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) | 3,290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | GUARDIAN | 3,288 | $4.2M |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 3,288 | $4.1M |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 3,288 | $4.1M |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 3,288 | $4.1M |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 3,288 | $4.1M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 3,288 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,288 | — |
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.
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.