| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL'S AGENCY LLC3 Filed as: PAUL'S INSURANCE AGENCY | P O BOX 1680 MORGAN CITY, LA 70381 | HCC LIFE INSURANCE COMPANY | $22K | — | $22K | 4.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | P O BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26K | $9K | $35K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | P O BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $4K | $12K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | P O BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 15.00% |
| GILSBAR, LLC3 Filed as: GILSBAR INC | GL# 4460-430-5000 COVINGTON, LA 70434 | INTERFACE EAP | — | $7K | $7K | 40.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GILSBAR, INC EIN 72-0519951 SERVICE PROVIDER | Contract Administrator; Claims processing Service code 12 | — | $135K |
| MEDCOM CARE MANAGEMENT, LLC EIN 72-1339762 CASE MANAGEMENT | Insurance services; Consulting (general) Service code 16 | — | $0 |
| PAUL'S INSURANCE AGENCY EIN 72-0487865 BROKER | Insurance services; Insurance agents and brokers Service code 22 | — | $0 |
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 | 641 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 641 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 558 | $537K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 641 | $110K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 615 | $173K |
| Prescription drug | HCC LIFE INSURANCE COMPANY | 558 | $537K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 641 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 641 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.