| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METARIE, LA 70009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 11.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METARIE, LA 70009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 11.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P.O. BOX 6650 METAIRIE, LA 700096650 | VISION SERVICE PLAN | $1K | — | $1K | 7.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 115 OFFICE PARK DRIVE STE 200 BIRMINGHAM, AL 352232423 | VISION SERVICE PLAN | $480 | — | $480 | 2.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METARIE, LA 70009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $302 | — | $302 | 11.25% |
| HUB INTERNATIONAL MIDWEST LIMITED7 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METARIE, LA 70009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $50 | — | $50 | 11.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 NONE | Contract Administrator Service code 13 | 450 RIVERCHASE PKY BIRMINGHAM, AL 35298 | $11K |
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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 232 | $1.5M |
| Vision | VISION SERVICE PLAN | 109 | $19K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 151 | $3K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 151 | $22K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 151 | $23K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 232 | $1.5M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 151 | $447 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.