| 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 | $35K | $22K | $57K | 5.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 3510 N. CAUSEWAY BLVD METAIRIE, LA 70002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $747 | $12K | 13.10% |
| REBECCA N SONGY3 Filed as: REBECCA N. SONGY | 6900 MEMPHIS ST NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $490 | $3K | 3.43% |
| JS YOUNG AND ASSOCIATES3 | 1040 CYPRESS CROSSING DR MADISONVILLE, LA 70447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $823 | $3K | 3.35% |
| GROUP VOLUNTARY BENEFITS LLC3 | 29103 CHURCH OF GOD RD SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $493 | $2K | 2.33% |
| MOORE ADVISORY GROUP LLC3 Filed as: MOORE ADVISORY GROUP | 12447 QUITMAN MERIDIAN HIGHWAY MERIDIAN, MS 39301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $236 | $2K | 1.76% |
| SCOTT J CHAMBERS3 Filed as: SCOTT CHAMBERS | 609 EMMELINE ST NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $939 | $204 | $1K | 1.22% |
| JACQUELINE M WILSON3 Filed as: JACQUELINE M. WILSON | 1929 DABNEY DRIVE BATON ROUGE, LA 70816 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $366 | $0 | $366 | 0.39% |
| PENNY LYNN MEHRTENS3 | 716 MELANIE AVE METAIRIE, LA 70003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $1 | $23 | 0.02% |
| JOEY MIGUES3 | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.01% |
| SENSIBLE WORKSITE SOLUTIONS LLC3 | 8733 SIEGAN LANE BATON ROUGE, LA 70810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 3510 N. CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $4K | $3K | $7K | 10.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | P. O. BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $996 | $550 | $2K | 18.63% |
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 | 223 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 133 | $993K |
| Dental | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 223 | $65K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 223 | $65K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $8K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $8K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 133 | $993K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 149 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.