| 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 | $39K | — | $39K | 5.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1411 OPUS PL STE 450 DOWNERS GROVE, IL 605151423 | UNITEDHEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 708090000 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $125K | $8K | $133K | 26.30% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE STE 400 GULFPORT, LA 70809 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $95K | — | $95K | 20.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $64K | — | $64K | 20.00% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | PO BOX 250 GULFPORT, MS 39502 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | — | $25K | 15.69% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | PO BOX 250 GULFPORT, MS 39502 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 15.70% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 4041 ESSEN LANE STE 400 BATON ROUGE, LA 70809 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 20.86% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE INC | 2909 13TH ST 4TH FL GULFPORT, MS 39502 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $934 | — | $934 | 1.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $762K |
| HUB INT'L MIDWEST LIMITED EIN 35-0672425 BROKER | Other commissions Service code 55 | — | $106K |
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 | 821 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 260 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,081 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 2,216 | $689K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,216 | $689K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,084 | $505K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 503 | $321K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 945 | $2.1M |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,084 | $763K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,216 | — |
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.