| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | — | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $99K | — | $99K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | HUB INTERNATIONAL GULF METAIRIE, LA 70002 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $37K | $12K | $49K | 20.24% |
| SOUTHERN NATIONAL LIFE INSURANCE CO3 | 5525 REITZ AVENUE BATON ROUGE, LA 70809 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $12K | $12K | 5.01% |
| AXA ASSISTANCE, USA3 Filed as: SOUTHERN NATIONAL MARKETING COMPANY | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $12K | $12K | 5.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | — | DELTA DENTAL INSURANCE COMPANY | $12K | — | $12K | 7.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD. | 3510 N. CAUSEWAY BLVD. METAIRIE, LA 70002 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 18.69% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B. STREET 6TH FLOOR SAN DIEGO, CA 92101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $650 | — | $650 | 1.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD. STE 200 MATAIRIE, LA 70002 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $549 | — | $549 | 1.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $349 | — | $349 | 0.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS LLC | PO BOX 71542 CHICAGO, IL 60694 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $116 | — | $116 | 0.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD. STE 300 METAIRIE, LA 70002 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 9.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1411 OPUS PL. STE 450 DOWNERS GROVE, IL 605151423 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $653 | $653 | 1.83% |
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 | 292 | 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) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 387 | $3.3M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 387 | $165K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $36K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 292 | $241K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 292 | $241K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 292 | $241K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 67 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.