| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HCC LIFE INSURANCE COMPANY3 | PO BOX 402032 ATLANTA, GA 30384 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $27K | — | $27K | 0.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | LIFE INSURANCE COMPANY OF AMERICA | $15K | $3K | $18K | 11.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 11.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $10K | 10.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | AMERITAS LIFE INSURANCE | $7K | — | $7K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 40 E ALAMAR AVE SANTA BARBARA, CA 93105 | AMERITAS LIFE INSURANCE | — | $2K | $2K | 3.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | LIFE INSURANCE COMPANY OF AMERICA | $2K | $442 | $3K | 11.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | LIFE INSURANCE COMPANY OF AMERICA | $3K | $424 | $4K | 16.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | LIFE INSURANCE COMPANY OF AMERICA | $388 | $82 | $470 | 12.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | LIFE INSURANCE COMPANY OF AMERICA | $350 | $54 | $404 | 15.97% |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 143 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 889 | $6.1M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 318 | $11K |
| Vision | AMERITAS LIFE INSURANCE | 699 | $70K |
| Life insurance(5 contracts) | LIFE INSURANCE COMPANY OF AMERICA | 200 | $208K |
| Short-term disability | LIFE INSURANCE COMPANY OF AMERICA | 200 | $95K |
| Long-term disability | LIFE INSURANCE COMPANY OF AMERICA | 200 | $109K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 889 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 889 | — |
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.