| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PETER C. FOY & ASSOCIATES3 Filed as: PETER C FOY & ASSOCIATES | 6200 CANOGA AVENUE WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE COMPANY | $18K | — | $18K | 5.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | — | BLUECROSS BLUESHIELD OF LOUISIANA | $10K | $7K | $16K | 8.82% |
| PROVIDENCE INSURANCE GROUP INC3 Filed as: THE PROVIDENCE INSURANCE GROUP INC | 4180 PROVIDENCE ROAD SUITE 200 MARIETTA, GA 30062 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $3K | $636 | $3K | 5.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $3K | $11K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 18.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $793 | $4K | 18.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | STARMOUNT LIFE INSURANCE COMPANY | $915 | — | $915 | 12.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $546 | — | $546 | 15.01% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 40 | $591K |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 87 | $58K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 76 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 72 | $30K |
| Prescription drug | BLUECROSS BLUESHIELD OF LOUISIANA | 38 | $186K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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.