| 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 | $55K | $9K | $65K | 11.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 7910 MAIN STREET, SUITE 300 HOUMA, LA 70360 | COMPANION LIFE INSURANCE COMPANY | $35K | — | $35K | 7.50% |
| MERITAIN HEALTH3 | 1285 FERN RIDGE PARKWAY, SUITE 200 ST. LOUIS, MO 63141 | COMPANION LIFE INSURANCE COMPANY | — | $31K | $31K | 6.50% |
| CRESCENT DENTAL PLAN3 | 106 PARK PLACE, SUITE 203 COVINGTON, LA 70433 | COMPANION LIFE INSURANCE COMPANY | — | $24K | $24K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST 672425 | P. O. BOX 6650 METAIRIE, LA 70009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 10.00% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | 516 WOODRIDGE BLVD. MANDEVILLE, LA 70471 | AFLAC | $12K | $50 | $12K | 14.52% |
| 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 | $2K | $5K | 7.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | P. O. BOX 6650 METAIRIE, LA 70005 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $867 | $6K | 11.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | P. O. BOX 6650 METAIRIE, LA 70009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | P. O. BOX 6650 METAIRIE, LA 70009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $945 | $149 | $1K | 11.58% |
| ADDVANTAGE CARE BENEFIT SERVICES IN3 | P. O. BOX 1858 GRAY, LA 703591858 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 2.50% |
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 | 1,037 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,080 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPANION LIFE INSURANCE COMPANY | 760 | $471K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 677 | $65K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,037 | $193K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,037 | $554K |
| Other(4 contracts, 3 carriers) | AFLAC | 1,037 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,037 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.