| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | P. O. BOX 6650 METAIRIE, LA 700096650 | STARMOUNT LIFE INSURANCE COMPANY | $24K | — | $24K | 6.83% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | 516 WOODRIDGE BLVD. MANDEVILLE, LA 70471 | AFLAC | $33K | $1K | $35K | 19.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | P. O. BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| ADDVANTAGE CARE BENEFIT SERVICES IN3 Filed as: ADDVANTAGE CARE INC | P. O. BOX 1858 GRAY, LA 703591858 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | P. O. BOX 1763 MANDEVILLE, LA 70470 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 17.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | P. O. BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ADDVANTAGE CARE BENEFIT SERVICES IN3 | P. O. BOX 1858 GRAY, LA 703591858 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 11.78% |
| YEATES, ERIC,NEAL3 | P. O. BOX 1858 GRAY, LA 703591858 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $314 | — | $314 | 1.68% |
| ADDVANTAGE CARE BENEFIT SERVICES IN3 | P. O. BOX 1858 GRAY, LA 703591858 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 78.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STEALTH PARTNER GROUP EIN 27-0290866 | Investment management Service code 28 | — | $499K |
| CIGNA HEALTHCARE EIN 59-1031071 | Investment management Service code 28 | — | $93K |
| MEDCOM CARE MANAGEMENT, LLC EIN 72-1339762 | Investment management Service code 28 | — | $37K |
| INTERFACE EAP EIN 76-0280809 | Investment management Service code 28 | — | $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 | 721 | 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) | 721 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AFLAC | 261 | $208K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 497 | $352K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 547 | $47K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 663 | $40K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 663 | $112K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 663 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 663 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.