| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | P.O. BOX 261798 BATON ROUGE, LA 70826 | BLUE CROSS AND BLUESHIELD OF LOUISIANA | $60K | — | $60K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $52K | $0 | $52K | 12.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $19K | $19K | 4.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMITED ( | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 66471 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $0 | $16K | 10.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 20 LOBOLLY COURT MANDEVILLE, LA 70448 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $5 | $2K | 3.95% |
| REBECCA N SONGY3 | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $888 | $11 | $899 | 1.70% |
| GROUP VOLUNTARY BENEFITS LLC3 | 29103 CHURCH OF GOD RD SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $590 | $7 | $597 | 1.13% |
| JS YOUNG AND ASSOCIATES3 | 1040 CYPRESS CROSSING DR MADISON, LA 70447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $388 | $15 | $403 | 0.76% |
| MOORE ADVISORY GROUP LLC3 Filed as: MOORE ADVISORY GROUP | 12447 QUITMAN MERIDIAN HIGHWAY MERIDIAN, MS 39301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | $0 | $197 | 0.37% |
| BETTY ROMERO3 | 100 LOREN AVE NEW IBERIA, LA 70563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $0 | $123 | 0.23% |
| SCOTT J CHAMBERS3 | 609 EMMELINE ST NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.05% |
| JOEY MIGUES3 | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $9 | $23 | 0.04% |
| PAM ENTERPRISES INC3 | 839 REUNION CIRCLE PLACE BILOXI, MS 39532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 0.04% |
| PAMELA ANN BURCHETTE3 | 15118 B JANUS RD BILOXI, MS 39532 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.03% |
| BSK BENEFITS PLUS LLC3 | 585 BEAU CHENE DR MANDEVILLE, LA 70471 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.03% |
| RUTHIE A LAGRONE3 | 3255 MORNING GLORY AVE BATON ROUGE, LA 70808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.02% |
| DONALD R MASSAD, APC3 Filed as: DONALD R MASSAD A PROFESSIONAL GROU | 6700 JEFFERSON HIGHWAY BATON ROUGE, LA 70806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.02% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 | PO BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| THE MASSAD OLINDE GROUP LLC3 | 6700 JEFFERSON HIGHWAY BATON ROUGE, LA 70806 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
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 | 338 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 86 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 474 | $2.6M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 308 | $467K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 308 | $414K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 308 | $414K |
| Prescription drug | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 312 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 474 | — |
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."
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.