| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | AMERICAN UNITED LIFE INSURANCE COMPANY | $33K | $0 | $33K | 16.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METARIRIE, LA 70002 | UNUM LIVE INSURANCE COMPANY OF AMERICA | $6K | $767 | $7K | 57.37% |
| DWIGHT L PIERCE3 | 1200 EAST TAFT STREET SAPULPA, OK 74066 | TRANSAMERICA LIFE INSURANCE COMPANY | $107 | $0 | $107 | 1.15% |
| LOCKTON COMPANIES, LLC3 | 11801 K STREET NORTHWEST SUITE 200 WASHINGTON, DC 20006 | TRANSAMERICA LIFE INSURANCE COMPANY | $36 | $0 | $36 | 0.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 300 CONCOURSE BOULEVARD, SUITE 300 RIDGELAND, MS 39157 | AFLAC | $145 | $0 | $145 | 15.38% |
| JOHN D KEYS3 Filed as: JOHN D. KEYS | 816 ANNANDALE ROAD MADISON, MS 39110 | AFLAC | $105 | $2 | $107 | 11.35% |
| MICHAEL BERRY BREWTON3 Filed as: MICHAEL B. BREWTON AND OTHER AGENTS | 116 KILLGORE ROAD, SUITE 3 RUSTON, LA 71270 | AFLAC | $33 | $0 | $33 | 3.50% |
| CHRISTIAN ANDRE LEVERN2 | 109 MILLCREEK CORS, SUITE D BRANDON, MS 39047 | AFLAC | $23 | $0 | $23 | 2.44% |
| KAREN SEFFENS BAREFIELD3 | 256 CARROLL BRASHER ROAD DOWNSVILLE, LA 71234 | AFLAC | $14 | $0 | $14 | 1.48% |
| AON CONSULTING INC3 Filed as: CLAUDE H. HEWITT | 308 LAKE VILLAGE DRIVE MADISON, MS 39110 | AFLAC | $13 | $0 | $13 | 1.38% |
| BRANDI LYNN SHURDEN3 | 136 MORGAN ROAD WEST MONROE, LA 71291 | AFLAC | $10 | $0 | $10 | 1.06% |
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 | 693 | $282K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 273 | $30K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 300 | $208K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 300 | $200K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 300 | $199K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 300 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 693 | — |
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.