| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $41K | $24K | $65K | 5.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | UNION SECURITY INSURANCE COMPANY | $22K | $9K | $31K | 20.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | STARMOUNT LIFE INSURANCE COMPANY | $8K | — | $8K | 10.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HUB INTL GULF SOUTH LTD METAIRIE, LA 70005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $754 | $61 | $815 | 5.12% |
| JS YOUNG AND ASSOCIATES3 Filed as: JS YOUNG & ASSOCIATES | 28558 VENETTE COURT PONCHATOULA, LA 70454 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $480 | $118 | $598 | 3.76% |
| GROUP VOLUNTARY BENEFITS LLC3 | 1901 HIGHWAY 190 UNIT 523 MANDEVILLE, LA 70448 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $422 | $131 | $553 | 3.48% |
| GROUP INSURANCE INC OF LA3 | PO BOX 65133 BATON ROUGE, LA 70896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $220 | — | $220 | 1.38% |
| GREG H TOWN3 | 4664 JAMESTOWN AVENUE SUITE 240 BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $200 | — | $200 | 1.26% |
| REBECCA N SONGY3 | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $28 | $106 | 0.67% |
| KRISTIANITY LAMATTERY3 | 2309 PARK CIRCLE BATON ROUGE, LA 70819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | $44 | $75 | 0.47% |
| BSK BENEFITS PLUS LLC3 | 205 PINECREST DRIVE COVINGTON, LA 70433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.36% |
| TRACY HANAGRIFF3 | 3312 RIVERWALK DRIVE BATON ROUGE, LA 70820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.19% |
| VOLUNTARY EMPLOYEE BENEFIT SERVICES3 | 1544 STILLWATER DRIVE MANDEVILLE, LA 70471 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.08% |
| RANDALL LEWIS VINCENT3 | 13451 PRAIRIE LANE WALKER, LA 70785 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.07% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 109 | $1.2M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 97 | $75K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 97 | $75K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 132 | $151K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 132 | $151K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 132 | $151K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 109 | $1.2M |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 132 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.