| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 7.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 CAUSEWAY BOULEVARD, SUITE 300 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $8K | $10K | 6.89% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | 16 THOMPSON PARK HATTIESBURG, MS 39401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 20 LOBLOLLY COURT MANDEVILLE, LA 70448 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $858 | $9K | 9.26% |
| REBECCA N SONGY3 Filed as: REBECCA N. SONGY | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $6K | 5.93% |
| GROUP VOLUNTARY BENEFITS LLC3 Filed as: GROUP VOLUNTARY BENEFITS, LLC | 29103 CHURCH OF GOD ROAD SPRINGFIELD, LA 70462 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 3.94% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | STEWART SNEED HEWES GULFPORT, MS 39502 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $222 | $2K | 2.42% |
| JOEY MIGUES3 | 103 BALTUSROL BROUSSARD, LA 70518 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $706 | $675 | $1K | 1.43% |
| JS YOUNG AND ASSOCIATES3 | 1040 CYPRESS CROSSING DRIVE MADISONVILLE, LA 70447 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $591 | $63 | $654 | 0.68% |
| MOORE ADVISORY GROUP LLC3 Filed as: MOORE ADVISING GRP. & OTHER AGENTS | 5210 COTTONWOOD CREEK LANE LEAGUE CITY, TX 77573 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $290 | $57 | $347 | 0.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH, LTD | 3510 CAUSEWAY BOULEVARD, SUITE 300 METAIRIE, LA 70002 | BLUE CROSS AND BLUE SHIELD LOUISIANA | $7K | $1K | $9K | 9.92% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | 16 THOMPSON PARK HATTIESBURG, MS 39401 | BLUE CROSS AND BLUE SHIELD LOUISIANA | $1K | — | $1K | 1.55% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD LOUISIANA | 228 | $88K |
| Vision | BLUE CROSS AND BLUE SHIELD LOUISIANA | 228 | $88K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $142K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $142K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $142K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.