| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | RELIASTAR LIFE INSURANCE COMPANY | $1.7M | $0 | $1.7M | 21.27% |
| STEALTH PARTNER GROUP LLC3 | 18940 NORTH PIMA ROAD, SUITE 210 SCOTTSDALE, AZ 85255 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $289K | $289K | 3.58% |
| AON CONSULTING INC3 Filed as: BSWIFT | PO BOX 860470 MINNEAPOLIS, MN 55486 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $142K | $142K | 1.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD SUITE 14A CHICAGO, IL 60604 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $64K | $64K | 0.80% |
| NROLL TECH LLC3 | 8375 DIX EILLIS TRAIL, SUITE 101 JACKSONVILLE, FL 32256 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $11K | $11K | 0.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | UNKNOWN METAIRIE, LA 70002 | UNITED CONCORDIA INSURANCE COMPANY | $66K | $69K | $134K | 2.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | UNKNOWN METAIRIE, LA 70002 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $615K | $100K | $715K | 11.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | UNKNOWN LAFAYETTE, LA 70508 | HM LIFE INSURANCE COMPANY | $60K | $0 | $60K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | PO BOX 6650 METAIRIE, LA 70009 | AETNA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 10.85% |
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 | 11,214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 197 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 73 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 180 | $172K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 24,890 | $6.5M |
| Vision | HM LIFE INSURANCE COMPANY | 22,304 | $1.2M |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 11,745 | $6.2M |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 11,745 | $6.2M |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 11,745 | $6.2M |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 38,101 | $14.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 38,101 | — |
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.