| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE, SUITE 100 BATON ROUGE, LA 70810 | SUN LIFE ASSURANCE COMPANY OF CANADA | $579K | $239K | $818K | 7.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB SOUTHWEST, INC. | 10000 NORTH CENTRAL EXPY SUITE 1100 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $422K | $0 | $422K | 15.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB SOUTHWEST, INC. | 421 WEST 3RD STREET, SUITE 800 FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $152K | $152K | 5.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 70 NE LOOP 410, SUITE 325 SAN ANTONIO, TX 78216 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $47K | $0 | $47K | 4.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 235 HIGHLANDIA DRIVE, SUITE 100 BATON ROUGE, LA 70810 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $23K | $0 | $23K | 2.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB SOUTHWEST, INC. | 421 WEST 3RD STREET, SUITE 800 FORT WORTH, TX 76102 | METROPOLITAN LIFE INSURANCE COMPANY | $197K | $162 | $197K | 22.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB SOUTHWEST, INC. | 700 NORTH PEARL STREET, SUITE N1700 DALLAS, TX 75201 | STARMOUNT LIFE INSURANCE COMPANY | $15K | $0 | $15K | 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 | 3,126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 8,213 | $1.9M |
| Vision(2 contracts, 2 carriers) | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 3,126 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,689 | $14.0M |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,689 | $14.0M |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,689 | $14.0M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 8,213 | $14.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,213 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.