| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD. SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $415 | $3K | 5.88% |
| KEVIN BLANE COOLEY3 | ONE LAKESIDE PLAZA 127 W BROAD ST, STE 600 LAKE CHARLES, LA 70601 | NORTHWESTERN MUTUAL | $2K | $518 | $3K | 6.10% |
| TED PATRICK HARLESS3 Filed as: TED HARLESS | ONE LAKESIDE PLAZA 127 W BROAD ST, STE 600 LAKE CHARLES, LA 70601 | NORTHWESTERN MUTUAL | $2K | $518 | $3K | 6.10% |
| MANAGING PARTNER3 Filed as: MANAGING DIRECTOR | ONE LAKESIDE PLAZA 127 W BROAD ST, STE 600 LAKE CHARLES, LA 70601 | NORTHWESTERN MUTUAL | $2K | $74 | $2K | 5.05% |
| MANAGING PARTNER3 | ONE LAKESIDE PLAZA 127 W BROAD ST, STE 600 LAKE CHARLES, LA 70601 | NORTHWESTERN MUTUAL | $616 | $74 | $690 | 1.64% |
| KEVIN BLANE COOLEY3 | ONE LAKESIDE PLAZA 127 W BROAD ST, STE 600 LAKE CHARLES, LA 70601 | NORTHWESTERN MUTUAL | $1K | $288 | $1K | 4.45% |
| TED PATRICK HARLESS3 Filed as: TED HARLESS | ONE LAKESIDE PLAZA 127 W BROAD ST, STE 600 LAKE CHARLES, LA 70601 | NORTHWESTERN MUTUAL | $1K | $288 | $1K | 4.45% |
| MANAGING DIRECTOR OF NMFN OF LA LLC3 | 111 VETERANS MEM BLVD STE 940 METAIRIE, LA 70005 | NORTHWESTERN MUTUAL | $457 | $82 | $539 | 1.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| GIS BENEFITS INC5 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $148 | $1K | 5.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 20.00% |
| GIS BENEFITS INC5 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $956 | $173 | $1K | 5.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| GIS BENEFITS INC5 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $808 | $150 | $958 | 5.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $765 | $66 | $831 | 5.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| GIS BENEFITS INC5 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $469 | $45 | $514 | 5.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $465 | — | $465 | 14.99% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $155 | $25 | $180 | 5.80% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 113 | $1.5M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 237 | $90K |
| Vision(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 237 | $181K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 108 | $68K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 85 | $57K |
| Other(6 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 110 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.