| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | AETNA LIFE INSURANCE COMPANY | $0 | $126 | $126 | 0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 3510 NORTH CAUSEWAY BOULEVARD METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40K | $0 | $40K | 15.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 8550 UNITED PLAZA BOULEVARD SUITE 500 BATON ROUGE, LA 70809 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $12K | $12K | 4.85% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8 | $0 | $8 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | NATIONAL GUARDIAN LIFE | $3K | $0 | $3K | 9.99% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | NATIONAL GUARDIAN LIFE | $3 | $0 | $3 | 0.01% |
| JOHN D KEYS3 Filed as: JOHN D. KEYS | 816 ANNADALE ROAD MADISON, MS 39110 | AFLAC | $374 | $178 | $552 | 5.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 300 CONCOURSE BOULEVARD, SUITE 300 RIDGELAND, MS 39157 | AFLAC | $494 | $0 | $494 | 4.66% |
| MITCHEL SHURDEN3 Filed as: MITCHEL B. SHURDEN AND OTHER AGENTS | 309 NEW POINTE, SUITE B RIDGELAND, MS 39157 | AFLAC | $226 | $46 | $272 | 2.57% |
| KAREN SEFFENS BAREFIELD3 | 256 CARROLL BRASHER ROAD DOWNSVILLE, LA 71234 | AFLAC | $151 | $0 | $151 | 1.42% |
| CHRISTIAN ANDRE LEVERN3 | 109 MILLCREEK CORS, SUITE D BRANDON, MS 39047 | AFLAC | $67 | $37 | $104 | 0.98% |
| BRANDI LYNN SHURDEN3 | 136 MORGAN ROAD WEST MONROE, LA 71291 | AFLAC | $97 | $0 | $97 | 0.91% |
| MICHAEL BERRY BREWTON3 | 116 KILLGORE ROAD, SUITE 3 RUSTON, LA 71270 | AFLAC | $75 | $0 | $75 | 0.71% |
| DWIGHT L PIERCE3 Filed as: DWIGHT L. PIERCE | 1200 EAST TAFT STREET SAPULPA, OK 74066 | TRANSAMERICA LIFE INSURANCE COMPANY | $278 | $0 | $278 | 5.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 11801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | TRANSAMERICA LIFE INSURANCE COMPANY | $93 | $0 | $93 | 1.70% |
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 | 336 | 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) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 718 | $300K |
| Vision | NATIONAL GUARDIAN LIFE | 294 | $33K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 336 | $263K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 336 | $257K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 336 | $257K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 336 | $273K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 718 | — |
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.