| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 N CAUSEWAY BLVD., STE 300 METAIRIE, LA 700023531 | AMERITAS LIFE INSURANCE CORP. | $26K | — | $26K | 7.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 40 E ALAMAR AVE. SANTA BARBARA, CA 931053400 | AMERITAS LIFE INSURANCE CORP. | — | $8K | $8K | 2.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | P. O. BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | $8K | $31K | 13.46% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | 516 WOODRIDGE BLVD. MANDEVILLE, LA 70471 | AFLAC | $18K | $426 | $19K | 19.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 N CAUSEWAY BLVD., STE 300 METAIRIE, LA 700023531 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $3K | $1K | $4K | 8.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | P. O. BOX 6650 METAIRIE, LA 70005 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $6K | 13.43% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | P. O. BOX 1763 MANDEVILLE, LA 70470 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 15.68% |
| ADDVANTAGE CARE BENEFIT SERVICES IN3 | P. O. BOX 1858 GRAY, LA 703591858 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 20.49% |
| ADDVANTAGE CARE BENEFIT SERVICES IN3 | P. O. BOX 1858 GRAY, LA 703591858 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $432 | — | $432 | 8.84% |
| YEATES, ERIC,NEAL3 | P. O. BOX 1858 GRAY, LA 703591858 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STEALTH PARTNER GROUP EIN 27-0290866 | Investment management Service code 28 | — | $624K |
| CIGNA HEALTHCARE EIN 59-1031071 | Investment management Service code 28 | — | $104K |
| MEDCOM CARE MANAGEMENT, LLC EIN 72-1339762 | Investment management Service code 28 | — | $40K |
| INTERFACE EAP EIN 76-0280809 | Investment management Service code 28 | — | $23K |
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 | 765 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 777 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AFLAC | 168 | $128K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 567 | $348K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 479 | $47K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 721 | $50K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 721 | $232K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 721 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 721 | — |
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.