| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $46K | — | $46K | 3.00% |
| BENEFIT ADVISORY GROUP, LLC3 | 3621 RIDGELAKE DR, STE 306 METAIRIE, LA 70002 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | — | $0 | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $16K | — | $16K | 10.00% |
| BENEFIT ADVISORY GROUP, LLC3 | 3510 N. CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $0 | — | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $6K | — | $6K | 10.00% |
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 | 224 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURNACE COMPANY | 512 | $162K |
| Vision | RELIANCE STANDARD LIFE INSURNACE COMPANY | 512 | $162K |
| Life insurance | RELIANCE STANDARD LIFE INSURNACE COMPANY | 143 | $60K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 451 | $1.5M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 451 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.