| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, IL 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $0 | $41K | 14.84% |
| 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 | $5K | $5K | 1.93% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKOTN COMPANIES LLC | 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 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| JOHN D KEYS3 Filed as: JOHN D. KEYS | 816 ANNANDALE ROAD MADISON, MS 39110 | AFLAC | $630 | $23 | $653 | 6.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 300 CONCOURSE BOULEVARD SUITE 300 RIDGELAND, MS 39157 | AFLAC | $599 | $0 | $599 | 5.62% |
| CHRISTIAN ANDRE LEVERN3 Filed as: CHRISTIAN LEVERN AND OTHER AGENTS | 109 MILLCREEK CORS, SUITE D BRANDON, MS 39047 | AFLAC | $251 | $4 | $255 | 2.39% |
| KAREN SEFFENS BAREFIELD3 | 256 CARROLL BRASHER ROAD DOWNSVILLE, LA 71234 | AFLAC | $149 | $0 | $149 | 1.40% |
| BRANDI LYNN SHURDEN3 | 136 MORGAN ROAD WEST MONROE, LA 71291 | AFLAC | $108 | $0 | $108 | 1.01% |
| MICHAEL BERRY BREWTON3 | 116 KILLGORE ROAD, SUITE 3 RUSTON, LA 71270 | AFLAC | $79 | $0 | $79 | 0.74% |
| MITCHELL BRIAN SHURDEN3 | 309 NEW POINTE, SUITE B RIDGELAND, MS 39157 | AFLAC | $52 | $0 | $52 | 0.49% |
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 | 314 | 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) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 672 | $313K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 275 | $39K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 314 | $277K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 314 | $277K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 314 | $277K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 314 | $288K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 672 | — |
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.