| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | MONY LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | P.O. BOX 6650 METAIRIE, LA 70009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HUB INTL GULF SOUTH LTD METAIRIE, LA 70009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $833 | $8K | 31.22% |
| LEWIS ASHTON BROCK III3 Filed as: LEWIS A BROCK III | 8776 SPRING GROVE NORTH MOBILE, AL 36695 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $3K | $8K | 30.21% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $805 | $2K | $3K | 10.79% |
| SUSAN RENEE DAY3 | 5618 DOGWOOD TRAIL EIGHT MILE, AL 36613 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $47 | $2K | 5.93% |
| JEFF HUNTER SWEATT3 | 300 BAYHILL DRIVE DAPHNE, AL 36526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $30 | $1K | 5.12% |
| SHERRELL S COCHRAN3 | 3734 BRANCH DRIVE SEMMES, AL 36575 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $78 | $1K | 5.06% |
| ASHTON BROCK3 | 1708 LAUREL STREET MOBILE, AL 36604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $4 | $101 | 0.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | P.O. BOX 6650 METAIRIE, LA 70009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | P.O. BOX 6650 METAIRIE, LA 70009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | P.O. BOX 6650 METAIRIE, LA 70009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $460 | — | $460 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | P.O. BOX 6650 METAIRIE, LA 70009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $813 | — | $813 | 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 | 99 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 102 | $521K |
| Dental(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 130 | $87K |
| Vision(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 130 | $63K |
| Life insurance(3 contracts, 3 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 130 | $96K |
| Short-term disability(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 130 | $64K |
| Long-term disability(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 130 | $69K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 102 | $521K |
| Other(3 contracts, 3 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 130 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.