| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 7910 MAIN STREET SUITE 300 HOUMA, LA 70360 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $49K | — | $49K | 2.99% |
| ALFORD, STAPLES, LAPEYRE & ROBICHAU3 | — | BLUE CROSS BLUE SHIELD OF LOUISIANA | $16K | — | $16K | 0.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $18K | — | $18K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: LEN FONTAINE HUB INTERNATIONAL | SOUTH LTD PO BOX 6650 MATAIRIE, LA 70009 | COMPANION LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| MERITAIN HEALTH3 | 9201 WATSON ROAD SUITE 200 SAINT LOUIS, MO 63126 | COMPANION LIFE INSURANCE COMPANY | — | $7K | $7K | 6.50% |
| CRESCENT DENTAL PLAN3 | PO BOX 2140 MANDEVILLE, LA 70470 | COMPANION LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| CHRISTIAN LAPEYRE INSURANCE SERVICE3 | PO BOX 1269 HOUMA, LA 70361 | NATIONAL GUARDIAN LIFE | $3K | — | $3K | 6.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | NATIONAL GUARDIAN LIFE | $3K | — | $3K | 5.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: LEN FONTAINE HUB INTERNATIONAL GULF | SOUTH LTD PO BOX 6650 METAIRIE, LA 70009 | COMPANION LIFE INSURANCE COMPANY | $296 | — | $296 | 12.05% |
| MERITAIN HEALTH3 | 9201 WATSON ROAD SUITE 200 ST LOUIS, MO 63126 | COMPANION LIFE INSURANCE COMPANY | — | $160 | $160 | 6.51% |
| CRESCENT DENTAL PLAN3 | PO BOX 2140 MANDEVILLE, LA 70470 | COMPANION LIFE INSURANCE COMPANY | — | $123 | $123 | 5.01% |
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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 236 | $1.6M |
| Dental(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 178 | $103K |
| Vision | NATIONAL GUARDIAN LIFE | 137 | $46K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 240 | $178K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 240 | $178K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 240 | $178K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 240 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.