| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 111 VETERANS MEMORIAL BLVD STE 900 METAIRIE, LA 700053035 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $83K | $25K | $107K | 4.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 700023531 | RELIANCE STANDARD | $18K | $0 | $18K | 11.62% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 405 E SAINT PETER ST NEW IBERIA, LA 705603752 | RELIANCE STANDARD | $1K | $0 | $1K | 0.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | P. O. BOX 6650 METAIRIE, LA 70009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 9.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | POST OFFICE BOX 6650 METAIRIE, LA 70009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 9.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 6650 METAIRIE, LA 700096650 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMER LO CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 700023531 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | — |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 332 | $2.5M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 0 | $0 |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 182 | $64K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 182 | $46K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 168 | $2.4M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 182 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.