| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL'S AGENCY LLC3 Filed as: PAUL'S INSURANCE AGENCY | PO BOX 1680 MORGAN CITY, LA 703811680 | UNITED STATES FIRE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 N. CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $29K | $10K | $39K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 N. CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $6K | $17K | 15.00% |
| PAUL'S AGENCY LLC3 Filed as: PAUL'S AGENCY | P.O. BOX 1680 MORGAN CITY, LA 70381 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 9.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 N. CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $2K | $5K | 15.00% |
| PERSONIFY HEALTH SOLUTIONS, LLC.3 Filed as: PERSONIFY HEALTH SOLUTIONS LLC | GL# 4460-430-5000 COVINGTON, LA 70434 | INTERFACE EAP | $0 | $7K | $7K | 44.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 SERVICE PROVIDER | Claims processing; Contract Administrator Service code 12 | — | $338K |
| PERSONIFY HEALTH SOLUTIONS LLC EIN 72-0519951 SERVICE PROVIDER | Contract Administrator; Claims processing Service code 12 | — | $31K |
| 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 | 723 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 723 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED STATES FIRE INSURANCE COMPANY | 587 | $825K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,159 | $50K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 723 | $148K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 599 | $193K |
| Prescription drug | UNITED STATES FIRE INSURANCE COMPANY | 587 | $825K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 723 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,159 | — |
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.