| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DR NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $64K | $34K | $98K | 19.98% |
| THE CASON GROUP INC5 Filed as: CASON GROUP, INC | 1612 MARION ST FL 4 COLUMBIA, SC 29201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $15K | $15K | 3.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-SOUTH | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE CO | $3K | $0 | $3K | 7.17% |
| THOMAS C SMITH3 | 4248 PATE RD. FRANKLIN, TN 37064 | TRUSTMARK INSURANCE COMPANY | $3K | $0 | $3K | 21.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 3011 ARMORY DR STE 250 NASHVILLE, TN 37204 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 8.47% |
| DAVID BENNETT3 Filed as: DAVID C STEVENS | ONE CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 7.70% |
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 | 468 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 473 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE CO | 848 | $39K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 468 | $504K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 468 | $491K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 468 | $491K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 468 | $491K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 848 | — |
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.