| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 N CAUSEWAY BLVD, STE 300 METAIRIE, LA 70002 | STANDARD INSURANCE COMPANY | $113K | — | $113K | 9.72% |
| HATTIESBURG CLINIC, PA3 | 415 S 28TH AVENUE HATTIESBURG, MS 39401 | STANDARD INSURANCE COMPANY | — | $11K | $11K | 0.99% |
| HATTIESBURG CLINIC, PA3 | 415 SOUTH 28TH AVENUE HATTIESBURG, MS 39402 | STANDARD INSURANCE COMPANY | — | $9K | $9K | 0.95% |
| 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 | $51K | — | $51K | 15.00% |
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 | 3,745 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,756 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 3,756 | $1.2M |
| Long-term disability | STANDARD INSURANCE COMPANY | 2,308 | $896K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 3,756 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,756 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.