| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | STE 300 3510 N CAUSWAY BLVD METAIRIE, LA 70002 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA | $114K | $6K | $120K | 5.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD, SUITE 300 METAIRIE, LA 70002 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 20.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD, SUITE 300 METAIRIE, LA 70002 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 20.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD, SUITE 300 METAIRIE, LA 70002 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 20.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD METAIRIE, LA 70002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $329 | $3K | 8.45% |
| REBECCA N SONGY3 | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $637 | $105 | $742 | 2.15% |
| JS YOUNG AND ASSOCIATES3 Filed as: JS YOUNG & ASSOCIATES | 28558 VENETTE COURT PONCHATOULA, LA 70454 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $549 | $130 | $679 | 1.96% |
| GROUP VOLUNTARY BENEFITS LLC3 | 1901 HIGHWAY 190 UNIT 523 MANDEVILLE, LA 70448 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $558 | $56 | $614 | 1.78% |
| VOLUNTARY EMPLOYEE BENEFIT SERVICES3 | 1544 STILLWATER DRIVE MANDEVILLE, LA 70471 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.02% |
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 | 243 | 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) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA | 246 | $2.1M |
| Dental | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA | 246 | $2.1M |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA | 246 | $2.1M |
| Life insurance | STANDARD INSURANCE COMPANY | 243 | $38K |
| Short-term disability | STANDARD INSURANCE COMPANY | 93 | $53K |
| Long-term disability | STANDARD INSURANCE COMPANY | 243 | $67K |
| Prescription drug | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA | 246 | $2.1M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 62 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
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.