| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LIMITE | 632 HILLCREST ROAD MOBILE, AL 36695 | HCC LIFE INSURANCE COMPANY | $4K | — | $4K | 1.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 300 CONCOURSE BOULEVARD SUITE 300 RIDGELAND, MS 39157 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $4K | $15K | 18.76% |
| 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 | 3102 RIVIERE DU CHIEN LOOP E MOBILE, AL 36693 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.56% |
| ZOGHBY & ASSOCIATES LLC3 | 3755 PROFESSIONAL PARKWAY SUITE A MOBILE, AL 36609 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 2.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 NORTH CAUSEWAY BOULEVARD SUITE 200 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 15.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 NORTH CAUSEWAY BOULEVARD SUITE 200 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 15.74% |
| MICHAEL R COWART3 | 3662 DAUPHIN STREET SUITE C MOBILE, AL 36608 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 10.89% |
| FIRST PROTECTIVE INSURANCE GROUP3 Filed as: FIRST PROTECTIVE INS GROUP | 2501 20TH PLACE SOUTH SUITE 300 BIRMINGHAM, AL 35223 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 7.87% |
| SECURA BROKERAGE LLC3 | 6465 WAYZATA BOULEVARD SUITE 920 MINNEAPOLIS, MN 55426 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.36% |
| THOMAS S. JOHNSON3 Filed as: THOMAS S JOHNSON | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | METROPOLITAN LIFE INSURANCE COMPANY | $38 | — | $38 | 0.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 NORTH CAUSEWAY BOULEVARD SUITE 200 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 15.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 NORTH CAUSEWAY BOULEVARD SUITE 200 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.82% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE #215 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $920 | — | $920 | 11.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 70009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $608 | $100 | $708 | 8.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | PO BOX 6650 METAIRIE, LA 70009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $50 | — | $50 | 0.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 70009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $374 | $199 | $573 | 9.22% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE #215 BIRMINGHAM, AL 35223 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $472 | — | $472 | 7.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | PO BOX 6650 METAIRIE, LA 70009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $29 | — | $29 | 0.47% |
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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | 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 | 232 | $113K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 264 | $109K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $65K |
| Long-term disability(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 264 | $97K |
| Prescription drug | NEW BENEFITS LTD | 57 | $5K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 214 | $379K |
| Other(7 contracts, 6 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 264 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.