| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $24K | $9K | $33K | 3.73% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $6K | — | $6K | 0.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $5K | $1K | $6K | 9.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $2K | — | $2K | 2.41% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $988 | $7K | 11.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $6K | 10.18% |
| USI INSURANCE SERVICES LLC3 | 3850 NORTH CAUSEWAY BOULEVARD SUITE 1200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $901 | $3K | 4.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 3.39% |
| USI INSURANCE SERVICES LLC3 | 3850 NORTH CAUSEWAY BOULEVARD SUITE 1200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $562 | $562 | 1.62% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $552 | $4K | 11.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $1K | $3K | 10.07% |
| USI INSURANCE SERVICES LLC3 | 3850 NORTH CAUSEWAY BOULEVARD SUITE 1200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $567 | $2K | 4.93% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $204 | $2K | 9.99% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $969 | — | $969 | 4.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $452 | $452 | 2.18% |
| USI INSURANCE SERVICES LLC3 | 3850 NORTH CAUSEWAY BOULEVARD SUITE 1200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $273 | — | $273 | 1.32% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $115 | $1K | 9.89% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $645 | — | $645 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 NORTH CASEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $609 | — | $609 | 4.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $255 | $255 | 1.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | 3850 NORTH CAUSEWAY BOULEVARD SUITE 1200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $165 | — | $165 | 1.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 35.19% |
| USI INSURANCE SERVICES LLC3 | 3850 NORTH CAUSEWAY BOULEVARD SUITE 1200 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $285 | — | $285 | 2.47% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $364 | $64 | $428 | 11.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $249 | $125 | $374 | 10.28% |
| USI INSURANCE SERVICES LLC3 | 3850 NORTH CAUSEWAY BOULEVARD SUITE 1200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $115 | $57 | $172 | 4.73% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 76 | $892K |
| Dental | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 87 | $65K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 200 | $12K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 116 | $56K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 83 | $35K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 116 | $34K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 76 | $892K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 127 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.