| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $45K | — | $45K | 3.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3510 NORTH CAUSEWAY BOULEVARD SUITE 200 METAIRIE, LA 70002 | DELTA DENTAL INSURANCE COMPANY | $7K | — | $7K | 9.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3510 NORTH CAUSEWAY BOULEVARD METAIRIE, LA 70002 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $1K | $10K | 17.35% |
| REBECCA N SONGY3 Filed as: REBECCA N. SONGY | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $3K | $9K | 16.58% |
| GROUP VOLUNTARY BENEFITS LLC3 | 201 WILDWOOD DRIVE HAMMOND, LA 70401 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $996 | $3K | 5.48% |
| JS YOUNG AND ASSOCIATES3 | 28558 VENETTE COURT PONCHATOULA, LA 70454 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $555 | $3K | 4.71% |
| MJ INSURANCE3 Filed as: BRIAN R MADTES AND VARIOUS AGENTS | 1308 JAMES COOK WINDCREST, TX 78239 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $286 | $2K | 3.26% |
| ANTHONY JOSEPH TAFFARO3 | 1201 WEST WILLIAM DAVID PARKWAY METAIRIE, LA 70005 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $733 | — | $733 | 1.33% |
| SUZANNE R BROSEMER3 Filed as: SUZANNE R. BROSEMER | 6889 WOODSVILLE ROAD HAYES, VA 23072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $395 | $19 | $414 | 0.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3510 NORTH CAUSEWAY BOULEVARD SUITE 200 METAIRIE, LA 70002 | HM LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 341 | 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) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 341 | $1.2M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 241 | $79K |
| Vision | HM LIFE INSURANCE COMPANY | 156 | $12K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 341 | $1.2M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 42 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.