| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD #300 METAIRE, LA 70002 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $78K | $4K | $82K | 2.10% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES,INC. | 5110 MARYLAND WAY SUITE 250 BRENTWOOD, TN 370277508 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $39K | — | $39K | 1.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD #300 METAIRE, LA 70002 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $16K | — | $16K | 0.41% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES,INC. | 5110 MARYLAND WAY SUITE 250 BRENTWOOD, TN 370277508 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | — | $8K | 0.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 5110 MARYLAND WAY SUITE 250 BRENTWOOD, TN 370277508 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $3K | $3K | 0.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 5110 MARYLAND WAY SUITE 250 BRENTWOOD, TN 37027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $4K | $21K | 11.99% |
| HUB INTERNATIONAL MIDWEST LIMITED5 Filed as: HUB INTERNATIONAL GULF SOUTH | 5110 MARYLAND WAY SUITE 250 BRENTWOOD, TN 37027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $3K | $17K | 11.87% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES,INC. | 5110 MARYLAND WAY SUITE 250 BRENTWOOD, TN 370277508 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $94 | $7K | 7.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5110 MARYLAND WAY SUITE 250 BRENTWOOD, TN 370277508 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 9.15% |
| ENROLLEASE3 Filed as: COWAN BENEFIT SERVICES,INC. | 5110 MARYLAND WAY SUITE 250 BRENTWOOD, TN 370277508 | UNITED HEALTHCARE INSURANCE COMPANY | $244 | — | $244 | 0.85% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 25.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 5110 MARYLAND WAY SUITE 250 BRENTWOOD, TN 37027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $173 | $1K | 17.02% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL GULF SOUTH | 5110 MARYLAND WAY SUITE 250 BRENTWOOD, TN 37027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $316 | $63 | $379 | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 CLAIMS ADMINISTRATION | Float revenue; Non-monetary compensation; Direct payment from the plan; Named fiduciary; Participant communication; Contract Administrator; Other services; Claims processing Service code 12 | — | $26K |
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 | 395 | 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) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 803 | $3.9M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 148 | $29K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 395 | $234K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 395 | $177K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 803 | $3.9M |
| Other(3 contracts, 2 carriers) | ACE AMERICAN INSURANCE COMPANY | 396 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 803 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.