| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SO | 2800 VETERANS BLVD, STE 365 METAIRIE, LA 70002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $61K | $0 | $61K | 19.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SO | 3510 N CAUSEWAY BLVD, SUITE 300 METAIRIE, LA 70002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $6K | $6K | 1.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SO | 2800 VETERANS BLVD, STE 365 METAIRIE, LA 70002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $59K | $0 | $59K | 18.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SO | 3510 N CAUSEWAY BLVD, SUITE 300 METAIRIE, LA 70002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $5K | $5K | 1.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SO | 3510 N CAUSEWAY BLVD, SUITE 300 METAIRIE, LA 70002 | STARMOUNT LIFE INSURANCE COMPANY | $28K | $14K | $42K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SO | 2800 VETERANS BLVD, STE 365 METAIRIE, LA 70002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | $0 | $28K | 19.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SO | 3510 N CAUSEWAY BLVD, SUITE 300 METAIRIE, LA 70002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 1.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SO | 2800 VETERANS BLVD, STE 365 METAIRIE, LA 70002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $0 | $15K | 18.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SO. | 3510 N. CAUSEWAY BLVD., SUITE 300 METAIRIE, LA 70002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 1.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SO | 3510 N CAUSEWAY BLVD, SUITE 300 METAIRIE, LA 70002 | UNUM INSURANCE COMPANY | $14K | $3K | $18K | 22.97% |
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 | 1,036 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,037 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 712 | $280K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,036 | $312K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,027 | $321K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 533 | $144K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,036 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,036 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.