| 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 | $64K | $33K | $97K | 5.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | P. O. BOX 6650 METAIRIE, LA 70009 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $10K | $2K | $11K | 0.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | P. O. BOX 6650 METAIRIE, LA 70009 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $2K | $280 | $2K | 0.12% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INT'L MIDWEST LIMITED | 111 VETERANS MEMORIAL BLVD STE 940 METAIRIE, LA 70002 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 7.43% |
| SOUTHERN NATL MKTG COMPANY4 | 5525 REITZ AVENUE BATON ROUGE, LA 70809 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.16% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 STE 100 MADISONVILLE, LA 704473442 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.00% |
| SOUTHERN NATIONAL LIFE INSURANCE CO4 | 5525 REITZ AVENUE BATON ROUGE, LA 70809 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 111 VETERANS MEMORIAL BLVD STE 940 METAIRIE, LA 70005 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | P. O. BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $958 | — | $958 | 10.00% |
| OPTIBEN LLC3 | 377 HWY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $958 | — | $958 | 10.00% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $479 | — | $479 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | P. O. BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $745 | — | $745 | 10.00% |
| OPTIBEN LLC3 | 377 HWY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $745 | — | $745 | 10.00% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $372 | — | $372 | 4.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | P O BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $582 | — | $582 | 10.00% |
| OPTIBEN LLC3 | 377 HWY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $582 | — | $582 | 10.00% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $291 | — | $291 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P O BOX 6650 METAIRIE, LA 700096650 | METROPOLITAN LIFE INSURANCE COMPANY | $302 | $66 | $368 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR. 40 W MA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $49 | $49 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P O BOX 6650 METAIRIE, LA 700096650 | METROPOLITAN LIFE INSURANCE COMPANY | $77 | $68 | $145 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR. 40 W MA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $33 | $33 | — |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | 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 | 358 | $1.8M |
| Dental | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 358 | $1.8M |
| Vision | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 358 | $1.8M |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 233 | $58K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 233 | $58K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 358 | $1.8M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 254 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.