| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BADGER HONEY, LLC3 Filed as: BADGER, HONEY, LLC | 7223 CANA GRAND PRAIRIE, TX 75054 | NATIONAL HEALTH INSURANCE COMPANY | $15K | — | $15K | 4.16% |
| WESTERN MARKING ASSOC3 | 318 WEST HURON STREET MISSOURI VALLEY, IA 51555 | NATIONAL HEALTH INSURANCE COMPANY | $6K | — | $6K | 1.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.62% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $876 | — | $876 | 1.69% |
| BRINDELL INVESTMENTS LLC3 | 3522 PEACHTREE STREET SIDELL, LA 70458 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $876 | — | $876 | 1.69% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $947 | $6K | 18.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.13% |
| BRINDELL INVESTMENTS LLC3 | 1301 BROWNSWITCH ROAD SLIDELL, LA 70458 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $828 | $2K | 6.86% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $619 | $4K | 12.10% |
| BRINDELL INVESTMENTS LLC3 | 1301 BROWNSWITCH ROAD SLIDELL, LA 70458 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $542 | $2K | 6.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.83% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $488 | $1K | $2K | 7.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.04% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $199 | $1K | 10.42% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $699 | — | $699 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $530 | — | $530 | 3.79% |
| BRINDELL INVESTMENTS LLC3 | 1301 BROWNSWITCH ROAD SLIDELL, LA 70458 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $309 | $116 | $425 | 3.04% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $746 | $129 | $875 | 10.56% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $414 | — | $414 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $337 | — | $337 | 4.07% |
| BRINDELL INVESTMENTS LLC3 | 1301 BROWNSWICH ROAD SLIDELL, LA 70458 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $160 | $75 | $235 | 2.84% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $291 | $75 | $366 | 11.33% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $162 | — | $162 | 5.02% |
| BRINDELL INVESTMENTS LLC3 | 1301 BROWNSWITCH ROAD SLIDELL, LA 70458 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $84 | $44 | $128 | 3.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $110 | — | $110 | 3.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $290 | — | $290 | 9.97% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NATIONAL HEALTH INSURANCE COMPANY | 90 | $563K |
| Dental(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 101 | $68K |
| Vision(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 92 | $12K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 103 | $34K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 79 | $23K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $30K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 147 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
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.