| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY BENEFITS & CONSULTING LLC8 | 422 EAST COLLEGE LAKE CHARLES, LA 70605 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $34K | $6K | $40K | 4.17% |
| INSURANCE RESOURCE GROUP INC3 | 106 OIL CENTER DRIVE 250 LAFAYETTE, LA 705032459 | BLUE CROSS BLUE SHIELD OF LOUISIANA | — | $10K | $10K | 1.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMI | 422 EAST COLLEGE LAKE CHARLES, LA 70605 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 10.00% |
| ROGERS BENEFIT GROUP INC3 | 9909 MIRA MESA BLVD STE 160 SAN DIEGO, CA 92131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD DBA | 422 EAST COLLEGE LAKE CHARLES, LA 70605 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $8K | 20.00% |
| GIS BENEFITS INC2 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $850 | $3K | 7.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD DBA | 422 EAST COLLEGE LAKE CHARLES, LA 70605 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $7K | 20.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $844 | $3K | 7.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MEDWEST LTD DBA | 422 EAST COLLEGE LAKE CHARLES, LA 70605 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $6K | 20.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $579 | $2K | 7.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD DBA | 422 EAST COLLEGE LAKE CHARLES, LA 70605 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $441 | $2K | 19.99% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $441 | $184 | $625 | 7.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD DBA | 422 EAST COLLEGE LAKE CHARLES, LA 70605 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $438 | $2K | 20.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $437 | $134 | $571 | 6.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD DBA | 422 EAST COLLEGE LAKE CHARLES, LA 70605 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $699 | $233 | $932 | 20.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $233 | $117 | $350 | 7.51% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 92 | $958K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 82 | $93K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 82 | $93K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 187 | $28K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 37 | $38K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 77 | $37K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 92 | $958K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 187 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.