| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY BENEFITS & CONSULTING LLC3 Filed as: GREGORY BENEFITS AND CONSULTING LLC | UNKNOWN SULPHUR, LA 70663 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $209K | $28K | $236K | 3.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $127K | $26K | $152K | 16.46% |
| GROUP INSURANCE SERVICES INC3 | 1607 NORTH AURORA ROAD, SUITE 201 NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $40K | $6K | $46K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $26K | $0 | $26K | 2.79% |
| FMLASOURCE INC5 | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $10K | $10K | 1.07% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $97K | $97K | 16.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | PRINCIPAL LIFE INSURANCE COMPANY | $58K | $0 | $58K | 10.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 NORTH RIVERSIDE PLAZA SUITE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $20K | $20K | 3.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 422 EAST COLLEGE LAKE CHARLES, LA 70605 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $4K | $24K | 24.13% |
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 | 547 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 1,374 | $7.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,357 | $581K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,357 | $581K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 662 | $927K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 662 | $927K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 662 | $927K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 662 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,374 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.