| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $181K | $18K | $199K | 5.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 16.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 16.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 16.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD METAIRIE, LA 70002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $234 | $3K | 10.32% |
| JS YOUNG AND ASSOCIATES3 | 1040 CYPRESS CROSSING DRIVE MADISONVILLE, LA 70447 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $934 | $301 | $1K | 3.66% |
| REBECCA N SONGY3 | 6900 MEMPHIS STREET NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $988 | $116 | $1K | 3.27% |
| GROUP VOLUNTARY BENEFITS LLC3 | 29103 CHURCH OF GOD ROAD SPRINGFIELD, LA 70462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $754 | $189 | $943 | 2.79% |
| MOORE ADVISORY GROUP LLC3 | 12447 QUITMAN MERIDIAN HIGHWAY MERIDIAN, MS 39301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | $11 | $76 | 0.23% |
| JORDAN ARCURI ARCURI3 | 4131 ALABAMA AVENUE KENNER, LA 70065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| SENSIBLE WORKSITE SOLUTIONS LLC3 | 8733 SIEGEN LANE BATON ROUGE, LA 70810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 235 | 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) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 263 | $3.7M |
| Dental | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 263 | $3.7M |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 263 | $3.7M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 264 | $84K |
| Short-term disability | STANDARD INSURANCE COMPANY | 114 | $79K |
| Long-term disability | STANDARD INSURANCE COMPANY | 264 | $92K |
| Prescription drug | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 263 | $3.7M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 264 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.