| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD METAIRIE, LA 70002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $1K | $15K | 19.84% |
| GROUP VOLUNTARY BENEFITS LLC3 | 1901 HIGHWAY 190 UNIT 523 MANDEVILLE, LA 70448 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 7.41% |
| REBECCA N SONGY3 | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 3.93% |
| JS YOUNG AND ASSOCIATES3 Filed as: JS YOUNG & ASSOCIATES | 28558 VENETTE COURT PONCHATOULA, LA 70454 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $537 | $3K | 3.68% |
| JACQUELINE M WILSON3 | 1929 DABNEY DRIVE BATON ROUGE, LA 70816 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $129 | $2K | 2.05% |
| VOLUNTARY EMPLOYEE BENEFIT SERVICES3 | 1544 SILLWATER DRIVE MANDEVILLE, LA 70471 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $764 | — | $764 | 0.99% |
| RENE ELIZABETH MARSE3 | 610 DILTON STREET RIVER RIDGE, LA 70123 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $16 | $98 | 0.13% |
| YOLANDE THORNHILL3 | 5003 MASONIC DRIVE SUITE 112 ALEXANDRIA, LA 71303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $28 | $78 | 0.10% |
| TERRI L FIRMIN3 | 2866 HWY 114 HESSMER, LA 71341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $6 | $33 | 0.04% |
| TI BENEFITS INC3 | 2866 HWY 114 HESSMER, LA 71341 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $1 | $24 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 9.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $31K | $8K | $38K | — |
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 | 110 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 110 | $0 |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 82 | $55K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 82 | $55K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 71 | $77K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 71 | $77K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 110 | $0 |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 71 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.