| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 3510 NORTH CAUSEWAY BOULEVARD SUITE 200 METAIRIE, LA 70009 | GILSBAR, LLC | $25K | — | $25K | 6.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | PO BOX 6650 METAIRIE, LA 70009 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 9.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | 832 NIAGARA AVENUE SHEBOYGAN, WI 53081 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 2.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | STARMOUNT LIFE INS. CO. | $7K | — | $7K | 9.55% |
| BLUMBERG & ASSOCIATES INC3 Filed as: BLUMBERG & ASSOCIATES, INC. | PO BOX 82030 BATON ROUGE, LA 70884 | STARMOUNT LIFE INS. CO. | $347 | — | $347 | 0.45% |
| DONALD R MASSAD, APC3 | 4970 BLUEBONNET BOULEVARD SUITE B BATON ROUGE, LA 70809 | STARMOUNT LIFE INS. CO. | $347 | — | $347 | 0.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | UNION SECURITY INSURANCE COMPANY | $7K | $3K | $10K | 23.97% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INS. CO. | 108 | $77K |
| Vision | STARMOUNT LIFE INS. CO. | 108 | $77K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 203 | $122K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 203 | $122K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 203 | $122K |
| Stop-loss / reinsurancereinsurance | GILSBAR, LLC | 101 | $387K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 203 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.