| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | UNKNOWN METAIRIE, LA 70009 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | $1 | $8K | 14.19% |
| THE WILLIAM MORRIS GROUP PA3 | 4400 OLD CANTON ROAD, SUITE 240 JACKSON, MS 39211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| THE WILLIAM MORRIS GROUP PA3 | 4400 OLD CANTON ROAD, SUITE 240 JACKSON, MS 39211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $154 | $154 | 0.39% |
| 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 | 13.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 8550 UNITED PLAZA BOULEVARD SUITE 500 BATON ROUGE, LA 70809 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $474 | $474 | 2.17% |
| 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 | $341 | $0 | $341 | 1.61% |
| RAMONA S PEARCE3 Filed as: RAMONA S. PEARCE | 432 GULDE ROAD BRANDON, MS 39042 | METLIFE INSURANCE COMPANY | $327 | $0 | $327 | 1.54% |
| THE WILLIAM MORRIS GROUP PA3 | 4400 OLD CANTON ROAD, SUITE 240 JACKSON, MS 39211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $114 | $2K | 17.08% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 126 | $22K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 138 | $58K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 98 | $14K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $83K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 138 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.