| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADVISORY GROUP, LLC3 Filed as: BENEFIT ADVISORY GROUP | 3621 RIDGELAKE DRIVE SUITE 306 METAIRIE, LA 70002 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $14K | $15K | $29K | 3.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | — | BLUE CROSS BLUE SHIELD OF LOUISIANA | $18K | $7K | $24K | 2.71% |
| BENEFIT ADVISORY GROUP, LLC3 | 3621 RIDGELAKE DRIVE SUITE 306 METAIRIE, LA 70002 | UNITED MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 6.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | UNITED MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 4.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 70009 | METROPOLITAN LIFE INSURANCE COMPANY | $763 | — | $763 | 5.22% |
| JEFFERY JOFFRION3 | 11605 SOUTHFORK AVENUE SUITE B BATON ROUGE, LA 708165220 | METROPOLITAN LIFE INSURANCE COMPANY | $614 | — | $614 | 4.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 16253 COLLECTION CENTER DRIVE 40 W MADISON CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $114 | $114 | 0.78% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 182 | $892K |
| Dental | UNITED MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 137 | $100K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 235 | $15K |
| Life insurance | UNITED MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 137 | $100K |
| Short-term disability | UNITED MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 137 | $100K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 182 | $892K |
| Other | UNITED MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 137 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.