| 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 | $43K | — | $43K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $13K | — | $13K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURNACE COMPANY | $5K | — | $5K | 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 | 138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURNACE COMPANY | 325 | $127K |
| Vision | RELIANCE STANDARD LIFE INSURNACE COMPANY | 325 | $127K |
| Life insurance | RELIANCE STANDARD LIFE INSURNACE COMPANY | 142 | $50K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 296 | $1.4M |
| Other(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 296 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.