| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD, SUITE 300 METAIRIE, LA 70002 | HCC LIFE INSURANCE COMPANY | $95K | — | $95K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD, SUITE 300 METAIRIE, LA 70002 | HCC LIFE INSURANCE COMPANY | $4K | — | $4K | 0.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 | Contract Administrator Service code 13 | 115 W WAUSAU AVE WAUSAU, WI 54401 | $259K |
| THE VITALITY GROUP EIN 32-0267784 | Consulting (general) Service code 16 | 200 WEST MONROE STREET SUITE 1900 CHICAGO, IL 60606 | $29K |
| HUB INTERNATIONAL GULF SOUTH EIN 35-0672425 | Consulting (general) Service code 16 | PO BOX 6650 METAIRIE, LA 70009 | $13K |
| ADVANCED PLAN FOR HEALTH EIN 20-3424289 | Consulting (general) Service code 16 | 1500 SOLANA BLVD. BUILDING 3 SUITE WESTLAKE, TX 76262 | $12K |
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 | 551 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 551 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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.
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.