| 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 70005 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37K | $21K | $58K | 14.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 N CAUSEWAY BLVD., STE 300 METAIRIE, LA 700023531 | AMERITAS LIFE INSURANCE CORP. | $28K | — | $28K | 7.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 40 E ALAMAR AVE. SANTA BARBARA, CA 931053400 | AMERITAS LIFE INSURANCE CORP. | — | $15K | $15K | 3.91% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | 516 WOODRIDGE BLVD. MANDEVILLE, LA 70471 | AFLAC | $19K | $608 | $19K | 18.66% |
| 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 | $3K | $6K | 10.20% |
| ADDVANTAGE CARE BENEFIT SERVICES IN3 | P. O. BOX 1858 GRAY, LA 703591858 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 17.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | P. O. BOX 6650 METAIRIE, LA 70005 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $987 | $2K | $3K | 27.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | P. O. BOX 6650 METAIRIE, LA 70009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $598 | $296 | $894 | 14.94% |
| ADDVANTAGE CARE BENEFIT SERVICES IN3 | P. O. BOX 1858 GRAY, LA 703591858 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 3.12% |
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 | 772 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 795 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 147 | $103K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 1,339 | $376K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 517 | $56K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 772 | $12K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 772 | $389K |
| Other(3 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 772 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,339 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.