| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 | PO BOX 250 GULFPORT, MS 39502 | SUN LIFE ASSURANCE COMPANY OF CANADA | $176K | — | $176K | 17.35% |
| BXS INSURANCE INC3 | 8315 CANTRELL RD STE 300 LITTLE ROCK, AR 72227 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 0.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 6650 METAIRIE, LA 70009 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $45 | $24K | 4.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD (LA) | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3635 RIVERSIDE PLAZA DRIVE RIVERSIDE, CA 92506 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 3.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSCOPE BENEFITS, INC. EIN 64-0674945 CLAIMS PROCESSING | Other fees; Contract Administrator; Consulting (general) Service code 13 | — | $486K |
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 | 661 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 291 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 952 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,496 | $489K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,628 | $73K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 866 | $1.0M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 866 | $1.0M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 866 | $1.0M |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 805 | $1.3M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 866 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,628 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.