| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $29K | $13K | $42K | 5.40% |
| MICHAEL SCOTT ENOS3 Filed as: MICHAEL P AUSTIN | 8675 BLUEBONNET BOULEVARD SUITE A BATON ROUGE, LA 70810 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 9.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $839 | — | $839 | 0.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $7K | $2K | $8K | 19.09% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 96 | $779K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 96 | $822K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 88 | $44K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 116 | $99K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 116 | $99K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 116 | $99K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 96 | $779K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 116 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.