| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J S BENEFITS INC3 | 2200 LAKESHORE DR, SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD INSURANCE COMPANY | — | $12K | $12K | 1.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | P.O. BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | P.O. BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $74K | — | $74K | 9.85% |
| JS BENEFITS INC3 | 2200 LAKESHORE DR, SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $12K | $12K | 1.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3501 N CAUSEWAY BLVD, STE 300 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $52K | — | $52K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | P.O. BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD INSURANCE COMPANY | $13K | — | $13K | 5.98% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR, SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD INSURANCE COMPANY | — | $4K | $4K | 1.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 3510 N CAUSEWAY BLVD, STE 300 METAIRIE, LA 70002 | ZURICH AMERICAN INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | P.O. BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.00% |
| J S BENEFITS INC3 | 2200 LAKESHORE DR, SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD INSURANCE COMPANY | — | $694 | $694 | 1.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 3510 N CAUSEWAY BLVD, STE 300 METAIRIE, LA 70002 | ZURICH AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 2,249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,249 | $960K |
| Long-term disability | RELIANCE STANDARD INSURANCE COMPANY | 2,204 | $792K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,289 | $466K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,289 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.