| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | UNKNOWN METARIE, LA 70002 | BLUECROSS BLUESHIELD OF LOUISIANA | $29K | $16K | $45K | 4.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | STANDARD INSURANCE COMPANY | $12K | $1K | $13K | 13.67% |
| MICHEL M LEGRAND3 Filed as: MICHEL M. LEGRAND | 111 VETERANS MEM BOULEVARD SUITE 940 METAIRIE, LA 70005 | NORTWESTERN MUTUAL | $3K | $858 | $4K | 7.91% |
| STEVEN DUGAL3 | 111 VETERANS MEM BOULEVARD SUITE 940 METAIRIE, LA 70005 | NORTWESTERN MUTUAL | $1K | $286 | $1K | 2.64% |
| AVRIL HABETZ ENT LLC3 | 111 VETERANS MEM BOULEVARD SUITE 940 METAIRIE, LA 70005 | NORTWESTERN MUTUAL | $908 | $109 | $1K | 1.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 20 LOBLOLLY COURT MANDEVILLE, LA 70448 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $72 | $2K | 18.76% |
| REBECCA N SONGY3 Filed as: REBECCA N. SONGY | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $482 | $211 | $693 | 7.87% |
| GROUP VOLUNTARY BENEFITS LLC3 | 29103 CHURCH OF GOD ROAD SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $443 | $210 | $653 | 7.42% |
| JOEY MIGUES3 | 103 BALTUSROL DRIVE BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $113 | $178 | $291 | 3.30% |
| SENSIBLE WORKSITE SOLUTIONS LLC3 | 8733 SIEGEN LANE BATON ROUGE, LA 70810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.05% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF LOUISIANA | 167 | $975K |
| Dental | STANDARD INSURANCE COMPANY | 66 | $96K |
| Vision | STANDARD INSURANCE COMPANY | 66 | $96K |
| Life insurance | STANDARD INSURANCE COMPANY | 66 | $96K |
| Short-term disability | STANDARD INSURANCE COMPANY | 66 | $96K |
| Long-term disability | NORTWESTERN MUTUAL | 101 | $54K |
| Prescription drug | BLUECROSS BLUESHIELD OF LOUISIANA | 167 | $975K |
| Other(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF LOUISIANA | 167 | $984K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.