| 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 | $21 | $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 | 1.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P. O. BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $6K | $24K | 22.57% |
| HUB INTERNATIONAL MIDWEST LIMITED5 | P. O. BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P. O. BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 6.33% |
| 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 | $3K | $7K | 16.23% |
| HUB INTERNATIONAL MIDWEST LIMITED5 | P. O. BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.50% |
| KEVIN GARDNER3 Filed as: KEVIN M GARDNER | 3510 N CAUSEWAY BLVD. STE. 300 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| 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 | $1K | $68 | $1K | 11.14% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $10K | $10K | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P. O. BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $706 | $706 | — |
| HUB INTERNATIONAL MIDWEST LIMITED5 | P. O. BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $273 | $273 | — |
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 | 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 |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 564 | $217K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 564 | $217K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 329 | $152K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 329 | $0 |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 329 | $63K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 329 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 564 | — |
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.