| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | P O BOX 6650 METAIRIE, LA 70009 | UNITED HEALTHCARE INSURANCE CO. | $95K | $0 | $95K | 3.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LIMITE | 3510 N CAUSEWAY BLVD, STE 300 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $2K | $18K | 24.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | P.O. BOX 6650 METAIRIE, LA 70009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | P.O. BOX 6650 METAIRIE, LA 70009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | P.O. BOX 6650 METAIRIE, LA 70009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | P.O. BOX 6650 METAIRIE, LA 70009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 12.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | P.O. BOX 6650 METAIRIE, LA 70009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $867 | $0 | $867 | 14.99% |
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 | 325 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE CO. | 297 | $2.5M |
| Dental | UNITED HEALTHCARE INSURANCE CO. | 297 | $2.5M |
| Vision | UNITED HEALTHCARE INSURANCE CO. | 297 | $2.5M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 216 | $35K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 183 | $34K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 328 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.