| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $59 | $26K | 4.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 1.47% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 2909 13TH ST GULFPORT, MS 39502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $94K | — | $94K | 22.63% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 2909 13TH ST 4TH FL GULFPORT, MS 39502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $48K | — | $48K | 20.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 2909 13TH ST 4TH FL GULFPORT, MS 39502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $45K | — | $45K | 20.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 2909 13TH ST GULFPORT, MS 39502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $4K | $21K | 15.65% |
| 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 | 9.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1411 OPUS PL STE 450 DOWNERS GROVE, IL 605151423 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 2.97% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 2909 13TH ST GULFPORT, MS 39502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $9K | 15.65% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 2909 13TH ST 4TH FL GULFPORT, MS 39502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 22.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSCOPE BENEFITS, INC. EIN 64-0674945 CLAIMS PROCESSING | Consulting (general); Other fees; Contract Administrator Service code 13 | — | $567K |
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 | 734 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 250 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 984 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,633 | $525K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,755 | $77K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 943 | $416K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 585 | $241K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 822 | $1.5M |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 943 | $458K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,755 | — |
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.