| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED | STE 300 3510 N. CAUSEWAY BLVD METAIRIE, LA 70002 | HUMANA | $143K | — | $143K | 1.91% |
| HUB INTERNATIONAL MIDWEST LIMITED | PO BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | $5K | $28K | 18.63% |
| HUB INTERNATIONAL MIDWEST LIMITED | PO BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $0 | $18K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL GULF SOUTH | STE 500 8550 UNITED PLAZA BLVD BATON ROUGE, LA 70809 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $1K | $13K | 21.48% |
| HUB INTERNATIONAL MIDWEST LIMITED | PO BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $7K | 18.90% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL GULF SOUTH | STE 500 8550 UNITED PLAZA BLVD BATON ROUGE, LA 70809 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $27K | $31K | 114.71% |
| HUB INTERNATIONAL MIDWEST LIMITED | PO BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $524 | $145 | $669 | 19.14% |
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 | 625 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 625 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 625 | $7.5M |
| Dental | HUMANA | 625 | $7.5M |
| Vision | HUMANA | 625 | $7.5M |
| Life insurance(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 721 | $238K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 717 | $122K |
| Prescription drug | HUMANA | 625 | $7.5M |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 721 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 721 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.