| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD (LA) | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | — | $34K | 5.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1411 OPUS PL STE 450 DOWNERS GROVE, IL 605151423 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.46% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE STE 400 GULFPORT, LA 70809 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $103K | $14K | $116K | 23.63% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $82K | — | $82K | 19.06% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $53K | — | $53K | 18.44% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 2909 13TH ST 4TH FL GULFPORT, MS 39502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | — | $30K | 18.48% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 2909 13TH ST 4TH FL GULFPORT, MS 39502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | 25.87% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 14.05% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 2909 13TH ST 4TH FL GULFPORT, MS 39502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $591K |
| HUB INT'L MIDWEST LIMITED EIN 35-0672425 BROKER | Other commissions Service code 55 | — | $99K |
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 | 810 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 217 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,027 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 2,048 | $651K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,048 | $651K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,037 | $493K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 636 | $285K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 908 | $1.8M |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,037 | $713K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,048 | — |
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.