| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | UNKNOWN RUSTON, LA 71270 | AETNA LIFE INSURANCE CO. | $0 | $375 | $375 | 0.08% |
| 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 | $58K | $13K | $71K | 18.43% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 4717484 BOSTON, MA 02241 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1 | $0 | $1 | 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 | $3K | $3K | 5.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 NORTH LA SALLE STREET, FLOOR 20 RIDGELAND, MS 60601 | AFLAC | $703 | $0 | $703 | 6.42% |
| JOHN D KEYS3 | 816 ANNANDALE ROAD MADISON, MS 39110 | AFLAC | $504 | $94 | $598 | 5.46% |
| LYNWOOD ANTHONY KANE3 Filed as: LYNWOOD A KANE AND OTHER AGENTS | 2182 QUAIL HILLS BRANDON, MS 39042 | AFLAC | $250 | $11 | $261 | 2.38% |
| CHRISTIAN ANDRE LEVERN3 | 1929 SPILLWAY ROAD, SUITE D BRANDON, MS 39047 | AFLAC | $89 | $11 | $100 | 0.91% |
| KAREN SEFFENS BAREFIELD3 | 256 CARROLL BRASHER ROAD DOWNSVILLE, LA 71234 | AFLAC | $87 | $0 | $87 | 0.79% |
| BRAND LYNN SHURDEN3 | 136 MORGAN ROAD WEST MONROE, LA 71291 | AFLAC | $73 | $0 | $73 | 0.67% |
| MICHAEL BERRY BREWTON3 | 500 TOMA LODGE DRIVE RUSTON, LA 71270 | AFLAC | $63 | $0 | $63 | 0.58% |
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 | 496 | 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) | 496 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 974 | $471K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 403 | $52K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 496 | $385K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 496 | $385K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 496 | $385K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 496 | $396K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 974 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.