| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | UNKNOWN GONZALES, LA 70737 | BLUECROSS BLUESHIELD OF LOUISIANA | $0 | $35K | $35K | 4.34% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS SERVICES OF TEH WEST, LLC | 21300 VICTORY BOULEVARD, SUITE 700 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN, INC. | $15K | $0 | $15K | 4.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $8K | $29K | 20.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | AMERITAS LIFE INSURANCE CORP | $8K | $0 | $8K | 10.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BOULEVARD, SUITE 365 BEACHWOOD, OH 44122 | AMERITAS LIFE INSURANCE CORP | $4K | $0 | $4K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 40 EAST ALAMAR AVENUE SANTA BARBARA, CA 93105 | AMERITAS LIFE INSURANCE CORP | $0 | $4K | $4K | 4.68% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF LOUISIANA | 74 | $1.1M |
| Dental | AMERITAS LIFE INSURANCE CORP | 204 | $77K |
| Vision | AMERITAS LIFE INSURANCE CORP | 204 | $77K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $140K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $140K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $140K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF LOUISIANA | 74 | $1.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.
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.