| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | HUMANA HEALTH BENFIT PLAN OF LOUISANA, INC. | $45K | $9K | $54K | 5.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $5K | $17K | 19.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD METAIRIE, LA 70002 | COLONIAL LFIE AND ACCIDENT INSURANCE COMPANY | $7K | $180 | $7K | 9.54% |
| REBECCA N SONGY3 Filed as: REBECCA N. SONGY | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LFIE AND ACCIDENT INSURANCE COMPANY | $1K | $428 | $2K | 2.66% |
| JS YOUNG AND ASSOCIATES3 | 1040 CYPRESS CROSSING DARIVE MADISONVILLE, LA 70447 | COLONIAL LFIE AND ACCIDENT INSURANCE COMPANY | $1K | $348 | $1K | 1.87% |
| GROUP VOLUNTARY BENEFITS LLC3 | 29103 CHURCH OF GOD ROAD SPRINGFIELD, LA 70462 | COLONIAL LFIE AND ACCIDENT INSURANCE COMPANY | $910 | $254 | $1K | 1.61% |
| MOORE ADVISORY GROUP LLC3 | 12447 QUITMAN MERIDIAN HIGHWAY MERIDIAN, MS 39301 | COLONIAL LFIE AND ACCIDENT INSURANCE COMPANY | $835 | $11 | $846 | 1.17% |
| JOEY MIGUES3 | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LFIE AND ACCIDENT INSURANCE COMPANY | $226 | $428 | $654 | 0.90% |
| JACQUELINE M WILSON3 Filed as: JACQUELINE M. WILSON | 1929 DABNEY DRIVE BATON ROUGE, LA 70816 | COLONIAL LFIE AND ACCIDENT INSURANCE COMPANY | $67 | $0 | $67 | 0.09% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH BENFIT PLAN OF LOUISANA, INC. | 116 | $992K |
| Dental | HUMANA HEALTH BENFIT PLAN OF LOUISANA, INC. | 116 | $992K |
| Vision | HUMANA HEALTH BENFIT PLAN OF LOUISANA, INC. | 116 | $992K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $85K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $85K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $85K |
| Prescription drug | HUMANA HEALTH BENFIT PLAN OF LOUISANA, INC. | 116 | $992K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.