| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES GATHINGS3 | 309 NEWPOINTE DR RIDGELAND, MS 39157 | BLUE CROSS BLUE SHIELD OF MS INC | $207K | — | $207K | 1.62% |
| JAMES GATHINGS3 | 309 NEWPOINTE DR RIDGELAND, MS 39157 | BLUE CROSS BLUE SHIELD OF MS INC | $39K | — | $39K | 8.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 N CAUSEWAY BLVD STE 200 METAIRIE, LA 700023531 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 21.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 6650 METAIRIE, LA 700096650 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $55 | $10K | 20.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $648 | $648 | 1.36% |
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 | 1,897 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 60 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,967 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MS INC | 2,302 | $12.8M |
| Dental | BLUE CROSS BLUE SHIELD OF MS INC | 1,914 | $482K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,373 | $48K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 130 | $48K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,373 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,302 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.