| 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 | $194K | — | $194K | 12.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3510 N. CAUSEWAY BLVD. SUITE 300 METAIRIE, LA 70002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $114K | — | $114K | 12.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3510 N. CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $84K | — | $84K | 12.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | VISION SERVICE PLAN | $27K | — | $27K | 9.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | — | $35K | 13.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | — | $28K | 13.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3510 CAUSEWAY BLVD. SUITE 300 METAIRIE, LA 70002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 12.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 2.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | PO BOX 6650 METAIRIE, LA 70009 | LEGAL ACCESS CONSULTING | $5K | — | $5K | 10.00% |
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 | 1,830 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,848 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,389 | $64K |
| Vision | VISION SERVICE PLAN | 1,605 | $272K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,331 | $1.5M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,466 | $882K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,510 | $651K |
| Other(5 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,399 | $632K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,399 | — |
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.