| 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 | $39K | $21K | $61K | 5.36% |
| 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 | $10K | $33K | 21.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | STARMOUNT LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HUB INTL GULF SOUTH LTD METAIRIE, LA 70005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $991 | $217 | $1K | 7.36% |
| GROUP VOLUNTARY BENEFITS LLC3 | 1901 HIGHWAY 190 UNIT 523 MANDEVILLE, LA 70448 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $707 | $252 | $959 | 5.85% |
| JS YOUNG AND ASSOCIATES3 Filed as: JS YOUNG & ASSOCIATES | 28558 VENETTE COURT PONCHATOULA, LA 70454 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $514 | $133 | $647 | 3.94% |
| REBECCA N SONGY3 | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $168 | $81 | $249 | 1.52% |
| GROUP BENEFITS LTD3 Filed as: GROUP INSURANCE INC | PO BOX 65133 BATON ROUGE, LA 70896 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | — | $203 | 1.24% |
| GREG H TOWN3 | 4664 JAMESTOWN AVENUE SUITE 24B BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $183 | — | $183 | 1.12% |
| BSK BENEFITS PLUS LLC3 | 205 PINECREST DRIVE COVINGTON, LA 70433 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.44% |
| RUTHIE A LAGRONE3 | 3255 MORNING GLORY AVENUE BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.19% |
| TRACY HANAGRIFF3 | 3312 RIVERWALK DRIVE BATON ROUGE, LA 70820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.07% |
| 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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 102 | $1.1M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 92 | $79K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 92 | $79K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 139 | $152K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 139 | $152K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 139 | $152K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 102 | $1.1M |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 139 | $169K |
| 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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.