| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX6650 METAIRIE, LA 70009 | AETNA LIFE INSURANCE COMPANY | $0 | $88 | $88 | 0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 6650 METAIRIE, LA 70009 | ONEAMERICA | $32K | $0 | $32K | 16.46% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 6650 METAIRIE, LA 70009 | NATIONAL GUARDIAN LIFE | $3K | $0 | $3K | 9.15% |
| DWIGHT L PIERCE3 Filed as: DWIGHT L. PIERCE | 1200 EAST TAFT STREET SAPULPA, OK 74066 | TRANSAMERICA LIFE INSURANCE COMPANY | $382 | $0 | $382 | 5.37% |
| LOCKTON COMPANIES, LLC3 | 11801 K STREET NORTHWEST, SUITE 200 WASHINGTON, DC 20006 | TRANSAMERICA LIFE INSURANCE COMPANY | $127 | $0 | $127 | 1.79% |
| MICHELLE SEWELL3 Filed as: MICHELLE S. SEWELL AND OTHER AGENTS | 206 WEST STEDHILL LOOP CONROE, TX 77384 | AFLAC | $185 | $0 | $185 | 3.12% |
| KAREN SEFFENS BAREFIELD3 | 256 CARROLL BRASHER ROAD DOWNSVILLE, LA 71234 | AFLAC | $131 | $0 | $131 | 2.21% |
| BRANDI LYNN SHURDEN3 | 136 MORGAN ROAD WEST MONROE, LA 71291 | AFLAC | $130 | $0 | $130 | 2.19% |
| MICHAEL BERRY BREWTON3 | 116 KILGORE ROAD, SUITE 3 RUSTON, LA 71270 | AFLAC | $96 | $0 | $96 | 1.62% |
| KAREN SEFFENS BAREFIELD3 | PO BOX 2275 WEST MONROE, LA 71294 | AFLAC | $63 | $0 | $63 | 1.06% |
| MITCHEL BRAIN SHURDEN3 | 1318 AVANT ROAD WEST MONROE, LA 71291 | AFLAC | $62 | $0 | $62 | 1.05% |
| RICHARD RUSSELL HOGAN3 | 263 OSCAR KILPATRICK ROAD GIBSLAND, LA 71028 | AFLAC | $44 | $0 | $44 | 0.74% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | UNUM LIVE INSURANCE COMPANY OF AMERICA | $119 | $4 | $123 | 3.58% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 5.02% |
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 | 290 | 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) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 653 | $248K |
| Vision | NATIONAL GUARDIAN LIFE | 256 | $29K |
| Life insurance(3 contracts, 3 carriers) | ONEAMERICA | 290 | $202K |
| Short-term disability(2 contracts, 2 carriers) | ONEAMERICA | 290 | $200K |
| Long-term disability | ONEAMERICA | 290 | $194K |
| Other(2 contracts, 2 carriers) | ONEAMERICA | 290 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 653 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.