| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY BENEFITS & CONSULTING LLC3 | 422 E COLLEGE STREET LAKE CHARLES, LA 70605 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $173K | $24K | $197K | 3.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | PRINCIPAL LIFE INSURANCE COMPANY | $44K | $0 | $44K | 10.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STEET MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $4K | $18K | 4.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N. RIVERSIDE PLZ SUITE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $10K | $10K | 2.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $32K | $0 | $32K | 12.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $30K | $0 | $30K | 11.75% |
| GROUP INSURANCE SERVICES INC3 | 1607 N AURORA RD NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 5.00% |
| GREGORY BENEFITS & CONSULTING LLC3 Filed as: GREGORY BENEFITS & CONSULTING | 422 E. COLLEGE STREET LAKE CHARLES, LA 70605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $12K | $12K | 4.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 422 E COLLEGE LAKE CHARLES, LA 70605 | GUARDIAN | $44K | $5K | $50K | 22.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 10.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 8.06% |
| GROUP INSURANCE SERVICES INC3 | 1607 N AURORA RD NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 5.00% |
| GREGORY BENEFITS & CONSULTING LLC3 | 422 E COLLEGE ST LAKE CHARLES, LA 70605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 4.43% |
| GROUP INSURANCE SERVICES INC3 | 1607 N AURORA RD NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.79% |
| GROUP INSURANCE SERVICES INC3 | 1607 N AURORA RD NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| GREGORY BENEFITS & CONSULTING LLC3 Filed as: GREGORY BENEFITS AND CONSULTING | 422 E. COLLEGE ST LAKE CHARLES, LA 70605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.91% |
| FMLASOURCE INC3 | 455 N CITYFRONT PLZ DR 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 21.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P.O. BOX 6650 METAIRIE, LA 70605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.41% |
| GROUP INSURANCE SERVICES INC3 | 1607 N AURORA RD NAPERVILLE, IL 60563 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| GREGORY BENEFITS AND CONSULTIN3 | 422 E. COLLEGE STREET LAKE CHARLES, LA 70605 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.31% |
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 | 488 | 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) | 488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 751 | $5.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,153 | $438K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,153 | $438K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 586 | $295K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 373 | $109K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 586 | $751K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,153 | — |
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.