| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 422 E. COLLEGE ST. LAKE CHARLES, LA 70605 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $100K | — | $100K | 17.14% |
| PCF INSURANCE SERVICES OF THE WEST3 | 213 CONRAD ST. NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $15K | $15K | 2.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 422 E. COLLEGE ST. LAKE CHARLES, LA 70605 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $57K | — | $57K | 12.82% |
| PCF INSURANCE SERVICES OF THE WEST3 | 213 CONRAD ST. NEW ORLEANS, LA 70124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $12K | $12K | 2.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P. O. BOX 6650 METAIRIE, LA 700096650 | METROPOLITAN LIFE INSURANCE COMPANY | $65K | $66 | $65K | 14.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.01% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMINSTRATION | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.60% |
| DAMON MARK PATTERSON3 | 213 CONRAD STREET NEW ORLEANS, LA 70124 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 3.24% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3820 NORTHDALE BLVD STE 103 TAMPA, FL 33624 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $247 | $7K | 2.69% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRATION I | P. O. BOX 1313 ORLANDO, FL 32802 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.00% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVE. STE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.57% |
| OPTAVISE, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $576 | — | $576 | 0.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LIMITE | 3510 N. CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $183 | $13 | $196 | 0.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LIMITE | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | UNUM INSURANCE COMPANY | $44K | $6K | $50K | 22.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 700023531 | UNITED HEALTHCARE INSURANCE COMPANY | $43K | — | $43K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LIMITE | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | UNUM INSURANCE COMPANY | $22K | $5K | $27K | 17.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LIMITE | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | UNUM INSURANCE COMPANY | $15K | $4K | $19K | 15.28% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3820 NORTHDALE BLVD STE 103 TAMPA, FL 33624 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $462 | $7K | 9.72% |
| DAMON MARK PATTERSON3 | 213 CONRAD STREET NEW ORLEANS, LA 70124 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.17% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRATION I | P. O. BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $536 | — | $536 | 0.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $468 | — | $468 | 0.69% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $126 | — | $126 | 0.19% |
| OPTAVISE, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17 | — | $17 | 0.02% |
| 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 | $3K | — | $3K | 15.00% |
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 | 1,439 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 2,982 | $214K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,846 | $709K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,439 | $445K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,439 | $581K |
| Other(7 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,846 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,982 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.