| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70009 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | $0 | $8K | 14.16% |
| THE WILLIAM MORRIS GROUP PA3 Filed as: THE WILLIAM MORRIS GROUP | 4400 OLD CANTON RS, SUITE 240 JACKSON, MS 39211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | METLIFE INSURANCE COMPANY | $4K | $0 | $4K | 18.00% |
| EDWIN DEREK PEARCE3 | 623 PICKETTS MILL DRIVE SHREVEPORT, LA 71115 | METLIFE INSURANCE COMPANY | $406 | $0 | $406 | 1.63% |
| RAMONA S PEARCE3 Filed as: RAMONA S. PEARCE | 432 GULDE ROAD BRANDON, MS 39042 | METLIFE INSURANCE COMPANY | $389 | $0 | $389 | 1.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 8550 UNITED PLAZA BOULEVARD SUITE 500 METAIRIE, LA 70009 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $489 | $489 | 2.00% |
| THE WILLIAM MORRIS GROUP PA3 Filed as: THE WILLIAM MORRIS GROUP | 4400 OLD CANTON ROAD, SUITE 240 JACKSON, MS 39211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $203 | $10 | $213 | 8.39% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 133 | $24K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 3 | $57K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $3K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 147 | $43K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 61 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.