| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $45K | $7K | $52K | 6.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $10K | $30K | 26.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | HUMANADENTAL INSURANCE COMPANY | $9K | $5K | $14K | 16.15% |
| ANNETTE DOWDLE3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | HEALTHJOY | $542 | $0 | $542 | 6.48% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 174 | $831K |
| Dental | HUMANADENTAL INSURANCE COMPANY | 117 | $87K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 103 | $823K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $114K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $114K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $114K |
| Prescription drug | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 103 | $823K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.