| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | — | $43K | 4.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3635 RIVERSIDE PLAZA DRIVE RIVERSIDE, CA 92506 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P.O. BOX 6650 METAIRIE, LA 70009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28K | — | $28K | 46.17% |
| CHRISTY T WRIGHT3 | 13148 RUE MERLOT, LA 70454 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 6650 METAIRIE, LA 70009 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 16.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 40 WEST MADISON 4TH FLOOR 16253 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $385 | $385 | 1.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P.O. BOX 6650 METAIRIE, LA 70009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 253 | 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) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 253 | $902K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 253 | $902K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 253 | $902K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 101 | $28K |
| Short-term disability(2 contracts) | CONTINENTAL AMERICAN INSURANCE COMPANY | 118 | $73K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 101 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.