| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | $3K | $46K | 16.17% |
| 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 | $2K | $2K | 0.79% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 02241 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7 | $0 | $7 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, IL 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 | $480 | $18 | $498 | 4.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 300 CONCOURSE BOULEVARD SUITE 300 RIDGELAND, MS 39157 | AFLAC | $492 | $0 | $492 | 4.74% |
| MJ INSURANCE3 Filed as: CHRISTIAN LEVERN AND VARIOUS AGENTS | 1929 SPILLWAY ROAD, SUITE D BRANDON, MS 39047 | AFLAC | $294 | $4 | $298 | 2.87% |
| LINDA L HUFFMAN3 Filed as: LINDA L. HUFFMAN | 1507 WHITE OAK RIVER ROAD MAYSVILLE, NC 28555 | AFLAC | $186 | $0 | $186 | 1.79% |
| KAREN SEFFENS BAREFIELD3 | 256 CARROLL BRASHER ROAD DOWNSVILLE, LA 71234 | AFLAC | $127 | $0 | $127 | 1.22% |
| BRANDI LYNN SHURDEN3 | 136 MORGAN ROAD WEST MONROE, LA 71291 | AFLAC | $112 | $0 | $112 | 1.08% |
| MICHAEL BERRY BREWTON3 | 500 TOMA LODGE DRIVE RUSTON, LA 71270 | AFLAC | $87 | $0 | $87 | 0.84% |
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 | 364 | 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) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 770 | $343K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 303 | $41K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 364 | $283K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 364 | $283K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 364 | $283K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 364 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 770 | — |
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.