| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH L | 8550 UNITED PLAZA BLVD STE 500 BATON ROUGE, LA 70809 | STARMOUNT LIFE INSURANCE COMPANY | $22K | $5K | $27K | 12.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH L | 8550 UNITED PLAZA BLVD STE 500 BATON ROUGE, LA 70809 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | $4K | $31K | 16.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LIMITE | 8550 UNITED PLAZA BLVD STE 500 BATON ROUGE, LA 70809 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $1K | $14K | 17.06% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3501 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LIMITE | 8550 UNITED PLAZA BLVD STE 500 BATON ROUGE, LA 70809 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $1K | $13K | 22.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 12.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH L | 8550 UNITED PLAZA BLVD STE 500 BATON ROUGE, LA 70809 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $630 | $5K | 18.83% |
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 | 575 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 431 | $222K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 340 | $45K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 522 | $291K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 450 | $182K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 450 | $182K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 491 | $229K |
| Other(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 522 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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.