| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3510 CAUSEWAY BLVD. SUITE 300 METAIRIE, LA 70002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $110K | — | $110K | 11.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTH | PO BOX 730416 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $48K | — | $48K | 4.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3510 N. CAUSEWAY BLVD. SUITE 300 METAIRIE, LA 70002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $70K | — | $70K | 12.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | PO BOX 730416 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | — | $22K | 4.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3510 N. CAUSEWAY BLVD SUITE 300 METAIRIE, LA 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34K | — | $34K | 8.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTH | PO BOX 730416 DALLAS, TX 75373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 4.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | VISION SERVICE PLAN | $18K | — | $18K | 8.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | PO BOX 730416 DALLAS, TX 75373 | VISION SERVICE PLAN | $2K | — | $2K | 0.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 16564 E BREWSTER RD STE 102 COVINGTON, LA 70433 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | — | $24K | 11.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTH | 11TH N WATER ST RSA BATTLE HOUSE TOWER MOBILE, AL 36602 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 3.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 16564 E BREWSTER RD STE 102 COVINGTON, LA 70433 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | — | $19K | 11.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | RSA BATTLE HOUSE TOWER 11TH N WATER ST. MOBILE, AL 36002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 3.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3510 CAUSEWAY BLVD. SUITE 300 METAIRIE, LA 70002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 11.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 11TH N WATER STREET RSA BATTLE HOUSE TOWER MOBILE, AL 36602 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | PO BOX 6650 METAIRIE, LA 70002 | LEGAL ACCESS CONSULTING | $3K | — | $3K | 8.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 2101 6TH AVENUE NORTH SUITE 725 BIRMINGHAM, AL 35203 | LEGAL ACCESS CONSULTING | $651 | — | $651 | 1.77% |
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 | 1,485 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,511 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 3,320 | $16.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,186 | $57K |
| Vision | VISION SERVICE PLAN | 1,319 | $214K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,008 | $975K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,296 | $536K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,331 | $412K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 3,320 | $16.1M |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,093 | $485K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,320 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.