| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $678 | $2K | 15.00% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $862 | $431 | $1K | 15.01% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $862 | — | $862 | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $429 | $429 | 5.01% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $533 | $186 | $719 | 12.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $356 | — | $356 | 5.98% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $296 | — | $296 | 4.97% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $291 | $114 | $405 | 12.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 NORTH CASEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $194 | — | $194 | 6.01% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $161 | — | $161 | 4.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $95 | $47 | $142 | 14.98% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $95 | — | $95 | 10.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | — | — | $0 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1411 OPUS PLACE SUITE 450 DOWNERS GROVE, IL 60515 | UNITEDHEALTHCARE INSURANCE COMPANY | — | — | $0 | — |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $0 |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $0 |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $0 |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 117 | $14K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 80 | $9K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 117 | $9K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 134 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.