| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LIMITE | P O BOX 6650 METAIRIE, LA 70009 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $61K | $28K | $89K | 5.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF | P O BOX 6650 METAIRIE, LA 700096650 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.45% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 STE 100 MADISONVILLE, LA 704473442 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 111 VETERANS MEMORIAL BLVD STE 940 METAIRIE, LA 70005 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P O BOX 6650 METAIRIE, LA 700096650 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $47 | $3K | 24.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR. 40 W MA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $172 | $172 | 1.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P O BOX 6650 METAIRIE, LA 700096650 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $47 | $1K | 14.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR. 40 W MA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $121 | $121 | 1.59% |
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 | 196 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 354 | $1.8M |
| Dental | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 354 | $1.8M |
| Vision | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 354 | $1.8M |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 229 | $51K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 229 | $51K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 354 | $1.8M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.