| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | UNITEDHEALTHCARE INSURANCE COMPANY | $98K | — | $98K | 2.43% |
| CENTURION INSURANCE SERVICES LLC3 | 201 PENNSYLVANIA AVENUE CHARLESTON, WV 25302 | UNITEDHEALTHCARE INSURANCE COMPANY | $51K | — | $51K | 1.26% |
| COMMUNITY FINANCIAL INS CENTER LLC3 | PO BOX 2006 MONROE, LA 71207 | UNITEDHEALTHCARE INSURANCE COMPANY | -$9 | — | -$9 | -0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 111 VETERANS MEMORIAL BOULEVARD SUITE 900 METAIRIE, LA 70005 | AMERITAS LIFE INSURANCE CORP. | $16K | — | $16K | 9.94% |
| CENTURION INSURANCE SERVICES LLC3 | 201 PENNSYLVANIA AVENUE NORTH CHARLESTON, WV 25302 | AMERITAS LIFE INSURANCE CORP. | $8K | — | $8K | 5.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | PO BOX 6650 METAIRIE, LA 70009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $2K | $10K | 14.11% |
| CENTURION INSURANCE SERVICES LLC3 Filed as: CENTURION INSURANCE SERVICES | 201 PENNSYLVANIA AVENEUE NORTH 3RD FLOOR CHARLESTON, WV 25302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | PO BOX 6650 METAIRIE, LA 70009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $17 | $3K | 10.88% |
| CENTURION INSURANCE SERVICES LLC3 Filed as: CENTURION INSURANCE SERVICES | 201 PENNSYLVANIA AVENUE NORTH 3RD FLOOR CHARLESTON, WV 25302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 4.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | PO BOX 6650 METAIRIE, LA 70009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $806 | $245 | $1K | 14.04% |
| CENTURION INSURANCE SERVICES LLC3 Filed as: CENTURION INSURANCE SERVICES | 201 PENNSYLVANIA AVENUE NORTH 3RD FLOOR CHARLESTON, WV 25302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $318 | — | $318 | 4.25% |
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 | 385 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 547 | $4.0M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 241 | $163K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 241 | $163K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 329 | $68K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 267 | $24K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 329 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 547 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.