| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $11K | $30K | 22.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 11100 MEAD ROAD, SUITE 300 BATON ROUGE, LA 70816 | COMPANION LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| MERITAIN HEALTH3 | 1285 FERN RIDGE PARKWAY, SUITE 200 ST. LOUIS, MO 63141 | COMPANION LIFE INSURANCE COMPANY | $0 | $4K | $4K | 6.50% |
| CRESCENT DENTAL PLAN3 | 106 PARK PLACE, SUITE 203 COVINGTON, LA 70433 | COMPANION LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.50% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPANION LIFE INSURANCE COMPANY | 239 | $67K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $131K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $131K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $131K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $131K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.