| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $64K | — | $64K | 3.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LTD | — | DELTA DENTAL INSURANCE COMPANY | $20K | $4K | $24K | 12.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 16564 EAST BREWSTER ROAD SUITE 102 COVINGTON, LA 70433 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 11.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 16564 EAST BREWSTER ROAD SUITE 102 COVINGTON, LA 70433 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 10.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 16564 EAST BREWSTER ROAD SUITE 102 COVINGTON, LA 70433 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 10.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 SUITE 300 METAIRIE, LA 70009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 14.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | VISION SERVICE PLAN | $1K | — | $1K | 4.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 16564 EAST BREWSTER ROAD SUITE 102 COVINGTON, LA 70433 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 11.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $829 | $59 | $888 | 16.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES OF CALIF | 11933 N CATAMARAN WAY STAR, ID 83669 | ACE AMERICAN INSURANCE COMPANY | $525 | $3 | $528 | 15.09% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 418 | $2.0M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 200 | $193K |
| Vision | VISION SERVICE PLAN | 198 | $31K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $179K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 194 | $65K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 228 | $83K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 418 | $2.0M |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 241 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.