| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: BANCORPSOUTH INSURANCE SE | PO BOX 250 GULFPORT, MS 39501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $112K | — | $112K | 22.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 700096650 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | — | $20K | 4.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR. 40 W CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 1.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD (LA) | PO BOX 6650 METAIRIE, LA 700096650 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
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 | 702 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 702 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,223 | $400K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 431 | $57K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 702 | $489K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 702 | $489K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 702 | $489K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 702 | $489K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,223 | — |
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.