| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $5K | $20K | 17.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 200 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $5K | $9K | 9.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 5.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 200 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $4K | $8K | 9.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 17.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 200 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 9.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 5.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 NORTH CAUSEWAY BOULEVARD METAIRIE, LA 70002 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 16.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 200 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 12.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.06% |
| ONE SOURCE BROKERAGE, INC.3 | 2170 CLEARBROOK ROAD SUITE 205 BIRMINGHAM, AL 35226 | METROPOLITAN LIFE INSURANCE COMPANY | $245 | — | $245 | 5.01% |
| BARCLAY B AVANT3 | 8811 TARA LANE AUBURN, AL 36830 | METROPOLITAN LIFE INSURANCE COMPANY | $25 | — | $25 | 0.51% |
| ZOGHBY & ASSOCIATES LLC3 | 3662 DAUPHIN STREET SUITE A1 MOBILE, AL 36608 | METROPOLITAN LIFE INSURANCE COMPANY | $25 | — | $25 | 0.51% |
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 | 813 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 821 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 183 | $48K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 502 | $229K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 501 | $117K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 502 | $104K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 343 | $1.1M |
| Other(6 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 502 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 502 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.