| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMMUNITY FINANCIAL INS CENTER LLC3 Filed as: COMMUNITY FINIANCIAL INS. CENTER | PO BOX 2006 MONROE, LA 712072006 | BLUE CROSS AND BLUESHIELD OF LOUISIANA | $27K | $24K | $51K | 4.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | — | BLUE CROSS AND BLUESHIELD OF LOUISIANA | $7K | — | $7K | 0.62% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON-CHAPMAN BENEFIT ADM. | PO BOX 9201, BLDG I, SUITE 100 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $3K | $15K | 25.02% |
| GIS BENEFITS INC3 Filed as: GIS NATIONAL | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $762 | $762 | 1.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $187 | $187 | 0.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 70009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $66 | $66 | 0.11% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 141 | $1.2M |
| Dental | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 141 | $1.2M |
| Vision | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 141 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 199 | $60K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 199 | $60K |
| Prescription drug | BLUE CROSS AND BLUESHIELD OF LOUISIANA | 141 | $1.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 199 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.