| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3510 NORTH CAUSEWAY BOULEVARD SUITE 200 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 8.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 5.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 632 HILLCREST ROAD MOBILE, AL 36695 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $4K | $19K | 18.05% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART | 3662 DAUPHIN STREET, SUITE C MOBILE, AL 36608 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 15.03% |
| FIRST PROTECTIVE INSURANCE GROUP3 | 600 LUCKIE DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 7.56% |
| SECURA BROKERAGE LLC3 Filed as: SECURA BROKERAGE, LLC | 6465 WAYZATA BOULEVARD, SUITE 920 MINNEAPOLIS, MN 55426 | METROPOLITAN LIFE INSURANCE COMPANY | $739 | — | $739 | 1.25% |
| THOMAS CAMPBELL3 Filed as: THOMAS S. SJOHSON | 3800 COLONADE PARKWAY, SUITE 540 BIRMINGHAM, AL 35243 | METROPOLITAN LIFE INSURANCE COMPANY | $128 | — | $128 | 0.22% |
| ONE SOURCE BROKERAGE, INC.3 | 3155 SOUTH MIDTOWN PARK MOBILE, AL 36606 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| RISK & ASSET MGMT, INC.3 Filed as: RISK AND ASSET MANAGEMENT, INC. | 3102 RIVIERE DU CHIEN LOOP EAST MOBILE, AL 36693 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.68% |
| ZOGHBY & ASSOCIATES LLC3 Filed as: ZOGHBY AND ASSOCIATES, LLC | 3755 PROFESSIONAL PARKWAY, SUITE A MOBILE, AL 36609 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 2.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3510 NORTH CAUSEWAY BOULEVARD SUITE 200 METAIRIE, LA 70002 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | — | $4K | 13.74% |
| J S BENEFITS INC3 Filed as: J S BENEFITS, INC. | 3800 COLONNADE PARKWAY, SUITE 540 BIRMINGHAM, AL 35243 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 17.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1141 MONTLIMR DRIVE, SUITE 2500 MOBILE, AL 36609 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $106 | — | $106 | 0.97% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART | 3662 DAUPHIN STREET, SUITE C MOBILE, AL 36608 | PRINCIPAL LIFE INSURANCE COMPANY | $218 | — | $218 | 5.88% |
| ONESOURCE BROKERAGE3 Filed as: ONESOURCE BROKERAGE, INC. | 3155 MIDTOWN PARK SOUTH MOBILE, AL 36606 | PRINCIPAL LIFE INSURANCE COMPANY | $74 | — | $74 | 1.99% |
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 | 255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 353 | $129K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $227K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $124K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $127K |
| Other(6 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $356K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.