| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3510 NORTH CAUSEWAY BLVD, SUITE 200 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $7K | $19K | 15.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 300 CONCOURSE BOULEVARD, SUITE 300 RIDGELAND, MS 39157 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 12.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1141 MONTLIMAR DRIVE, SUITE 2500 MOBILE, AL 36609 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $794 | $0 | $794 | 0.92% |
| MICHAEL R COWART3 Filed as: MICHAEL R. COWART | 3662 DAUPHIN STREET, SUITE C MOBILE, AL 36608 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 16.16% |
| FIRST PROTECTIVE INSURANCE GROUP3 | 2501 20TH PLACE SOUTH, SUITE 300 BIRMINGHAM, AL 35223 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 11.54% |
| SECURA BROKERAGE LLC3 Filed as: SECURA BROKERAGE, LLC | 6465 WAYZATA BOULEVARD, SUITE 920 MINNEAPOLIS, MN 55426 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 8.21% |
| THOMAS CAMPBELL3 Filed as: THOMAS J. JOHNSON | 3800 COLONNADE PARKWAY, SUITE 540 BIRMINGHAM, AL 35243 | METROPOLITAN LIFE INSURANCE COMPANY | $53 | $0 | $53 | 0.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | UNKNOWN MOBILE, AL 36606 | SUPERIOR VISION PLAN | $4K | $0 | $4K | 16.14% |
| UNKNOWN3 | UNKNOWN MOBILE, AL 36606 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3510 NORTH CAUSEWAY BLVD, SUITE 200 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3510 NORTH CAUSEWAY BLVD, SUITE 200 METAIRIE, LA 70003 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $708 | $0 | $708 | 3.09% |
| J S BENEFITS INC3 Filed as: J.S. BENEFITS, INC. | 2200 LAKESHORE DRIVE #215 BIRMINGHAM, AL 35209 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $926 | $0 | $926 | 9.85% |
| J S BENEFITS INC3 Filed as: J. S. BENEFITS, INC. | 2200 LAKESHORE DRIVE, SUITE 215 BIRMINGHAM, AL 35209 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $455 | $0 | $455 | 4.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 6650 METAIRIE, LA 70009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $299 | $0 | $299 | 3.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB GULF SOUTH | UNKNOWN MOBILE, AL 36606 | NEW BENEFITS (TELEHEALTH) | $1K | $0 | $1K | 23.06% |
| ONESOURCE BROKERAGE3 Filed as: ONESOURCE BROKERAGE INC | 3155 MIDTOWN PARK SOUTH MOBILE, AL 36606 | PRINCIPAL LIFE INSURANCE COMPANY | $69 | $0 | $69 | 2.02% |
| MICHAEL R COWART3 | 3663 DAUPHIN STREET SUITE C MOBILE, AL 36608 | PRINCIPAL LIFE INSURANCE COMPANY | $67 | $0 | $67 | 1.96% |
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 | 245 | 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) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NEW BENEFITS (TELEHEALTH) | 48 | $5K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 375 | $112K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 248 | $236K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 248 | $149K |
| Long-term disability(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 248 | $211K |
| Prescription drug | NEW BENEFITS (TELEHEALTH) | 48 | $5K |
| Other(6 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 248 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 375 | — |
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.