| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY SHERROD | 3011 ARMORY DR. STE 250 NASHVILLE, TN 37204 | BLUE RE OF TENNESSEE | $5K | — | $5K | 1.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | DELTA DENTAL OF TENNESSEE | — | — | $0 | 0.00% |
| HIB INTERNATION AL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INS CO | $42K | — | $42K | 16.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N COUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE CO | $35K | — | $35K | 15.30% |
| HUB INTERNATIONAL MIDWEST LIMITED | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $8K | — | $8K | 8.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB NATIONAL MIDWEST LIMITED | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE CO | $8K | — | $8K | 15.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE CO | $7K | — | $7K | 15.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE CO | $4K | — | $4K | 11.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE CO | $2K | — | $2K | 16.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD EIN 62-0427913 ADMIN SERVICES AGREEMENT | Contract Administrator Service code 13 | 6305 KINGSTON PIKE 4905 KNOXVILLE, TN 37919 | $354K |
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 | 1,249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE RE OF TENNESSEE | 1,367 | $531K |
| Dental | DELTA DENTAL OF TENNESSEE | 1,553 | $472K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 805 | $94K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INS CO | 1,123 | $278K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE CO | 411 | $278K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE CO | 1,524 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,553 | — |
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.