| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 3510 N. CAUSEWAY BLVD. STE 300 METAIRIE, LA 70002 | UNION SECURITY INSURANCE COMPANY | $8K | $7K | $15K | 7.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P. O. BOX 6650 METAIRIE, LA 700096650 | CIGNA | $6K | — | $6K | 8.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | P. O. BOX 6650 METAIRIE, LA 700096650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 15.62% |
| KEVIN GARDNER3 Filed as: KEVIN M GARDNER | 111 VETERANS BLVD STE 940 METAIRIE, LA 70005 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 3510 N. CAUSEWAY BLVD. STE 300 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $599 | $599 | 1.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | P. O. BOX 6650 METAIRIE, LA 700096650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 11.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P. O. BOX 6650 METAIRIE, LA 700096650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 15.00% |
| UNITED OF OMAHA LIFE INSURANCE CO3 Filed as: UNITED OF OMAHA LIFE INSURANCE CO. | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P. O. BOX 6650 METAIRIE, LA 700096650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $358 | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $129K |
| GILSBAR EIN 72-0519951 ADMINISTATION | Plan Administrator Service code 14 | — | $36K |
| HUB INT'L MIDWEST LIMITED EIN 35-0672425 BROKER | Other commissions Service code 55 | — | $21K |
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 | 329 | 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) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 328 | $0 |
| Dental | UNION SECURITY INSURANCE COMPANY | 258 | $197K |
| Vision | UNION SECURITY INSURANCE COMPANY | 258 | $197K |
| Life insurance(3 contracts, 2 carriers) | CIGNA | 338 | $126K |
| Short-term disability | CIGNA | 338 | $69K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA | 338 | $92K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL INSURANCE COMPANY | 297 | $155K |
| Other(4 contracts, 3 carriers) | CIGNA | 338 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.