| 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 | $48K | $7K | $56K | 17.22% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 417484 BOSTON, MA 02241 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5 | $0 | $5 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 300 CONCOURSE BOULEVARD SUITE 300 RIDGELAND, MS 39157 | AFLAC | $785 | $0 | $785 | 7.16% |
| JOHN KEYS3 | 816 ANNANDALE ROAD MADISON, MS 39110 | AFLAC | $570 | $21 | $591 | 5.39% |
| JOSHUA L CLINE3 Filed as: JOSHUA CLINE | 120 GREENVIEW PLACE, SUITE 3 RICHLAND, MS 39218 | AFLAC | $294 | $0 | $294 | 2.68% |
| KAREN SEFFENS BAREFIELD3 Filed as: KAREN BAREFIELD | 256 CARROLL BRASHER ROAD DOWNSVILLE, LA 71234 | AFLAC | $110 | $0 | $110 | 1.00% |
| BRANDI LYNN SHURDEN3 Filed as: BRANDI SHURDEN | 136 MORGAN ROAD WEST MONROE, LA 71291 | AFLAC | $101 | $0 | $101 | 0.92% |
| CHRISTIAN ANDRE LEVERN3 Filed as: CHRISTIAN LEVERN | 1929 SPILLWAY ROAD, SUITE D BRANDON, MS 39047 | AFLAC | $94 | $5 | $99 | 0.90% |
| MICHAEL BERRY BREWTON3 Filed as: MICHAEL BREWTON | 500 TOMA LODGE DRIVE RUSTON, LA 71270 | AFLAC | $87 | $0 | $87 | 0.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
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 | 391 | 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) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 796 | $366K |
| Vision(2 contracts) | STARMOUNT LIFE INSURANCE COMPANY | 327 | $43K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 391 | $322K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 391 | $322K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 391 | $322K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 391 | $333K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 796 | — |
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.