| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULD SOUTH LTD | UNKNOWN HARAHAN, LA 70123 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $103K | $40K | $143K | 4.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | UNKNOWN METAIRIE, LA 70002 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $29K | $7K | $37K | 19.05% |
| SOUTHERN NATIONAL MKTG COMPANY3 | UNKNOWN BATON ROUGE, LA 70809 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $17K | $17K | 8.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 20 LOBLOLLY COURT MANDEVILLE, LA 70488 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $2K | $12K | 9.36% |
| REBECCA N SONGY3 | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $3K | $7K | 5.72% |
| JS YOUNG AND ASSOC3 | 1040 CYPRESS CROSSING DRIVE MADISONVILLE, LA 70447 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 4.03% |
| GROUP VOLUNTARY BENEFITS LLC3 | 29103 CHRUCH OF GOD ROAD SPRINGFIELD, LA 70462 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 3.00% |
| JOEY MIGUES3 | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 2.30% |
| R&W SOLUTIONS LLC3 | 23695 MONARCH PT SPRINGFIELD, LA 70462 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $455 | $2K | 1.70% |
| THE FRANCIS GROUP LLC3 | 403 NORTH STREET BENTON, AR 72015 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $191 | $2K | 1.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 20 LOBLOLLY COURT MANDEVILLE, LA 70448 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $702 | $80 | $782 | 0.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | UNKNOWN METAIRIE, LA 70005 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $63 | $14 | $77 | 0.06% |
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 | 322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 0 | $3.0M |
| Dental | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 0 | $3.0M |
| Vision | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 0 | $3.0M |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 323 | $192K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 323 | $192K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 323 | $192K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 0 | $3.0M |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 323 | $317K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.