| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | P. O. BOX 6650 METAIRIE, LA 70009 | BLUE CROSS BLUE SHIELD | $36K | $24K | $60K | 5.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 3510 N. CAUSEWAY BLVD METAIRIE, LA 70002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $2K | $16K | 19.13% |
| REBECCA N SONGY3 Filed as: REBECCA N. SONGY | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 4.76% |
| JACQUELINE M WILSON3 Filed as: JACQUELINE M. WILSON | 1929 DABNEY DRIVE BATON ROUGE, LA 70816 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $53 | $1K | 1.42% |
| PATRICK MOORE3 | 12447 QUITMAN MERIDIAN HIGHWAY MERIDIAN, MS 39301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $6 | $88 | 0.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 3510 N. CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $3K | $2K | $5K | 8.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | P. O. BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $686 | $303 | $989 | 17.31% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 122 | $1.0M |
| Dental | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 108 | $64K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 108 | $64K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $6K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 154 | $6K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 122 | $1.0M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 154 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.
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.