| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | P. O. BOX 6650 METAIRIE, LA 70009 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 5.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CTR DR. 40 W CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P. O. BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $2K | $18K | 18.98% |
| HUB INTERNATIONAL MIDWEST LIMITED5 | P. O. BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P. O. BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.50% |
| HUB INTERNATIONAL MIDWEST LIMITED5 | P. O. BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P. O. BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 12.79% |
| HUB INTERNATIONAL MIDWEST LIMITED5 | P. O. BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LIMITE | 8550 UNITED PLAZA BLVD STE 500 BATON ROUGE, LA 70809 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $13K | 57.90% |
| KEVIN GARDNER3 Filed as: KEVIN M GARDNER | 3510 N CAUSEWAY BLVD. STE. 300 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P. O. BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $335 | $335 | — |
| HUB INTERNATIONAL MIDWEST LIMITED5 | P. O. BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $291 | $291 | — |
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 | 360 | 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) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 618 | $212K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 618 | $212K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 360 | $142K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 360 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 360 | $64K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 360 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 618 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.