| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 700023531 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $42K | — | $42K | 6.50% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COAST INS | PO BOX 2456 LAFAYETTE, LA 70502 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 7.75% |
| JOEY MIGUES3 | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $895 | $3K | 5.78% |
| BETTY ROMERO3 | 100 LOREN AVE NEW IBERIA, LA 70563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $901 | $69 | $970 | 2.13% |
| SCOTT J CHAMBERS3 Filed as: SCOTT CHAMBERS | 609 EMMELINE ST NEW IBERIA, LA 70560 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $600 | $154 | $754 | 1.65% |
| GROUP VOLUNTARY BENEFITS LLC3 | 201 WILDWOOD DR HAMMOND, LA 70401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $344 | $131 | $475 | 1.04% |
| JODIE C MIGUES3 Filed as: JODIE MIGUES | 103 BALTUSROL DR BROUSSARD, LA 70518 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $376 | — | $376 | 0.82% |
| REBECCA N SONGY3 | 6900 MEMPHIS ST NEW ORLEANS, LA 70124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | $62 | $216 | 0.47% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY BOURGEOIS-HOLMES | 2806 ADELE LN NEW IBERIA, LA 70563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | — | $44 | 0.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTHIMITED | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 700023531 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | — | — | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 700023531 | SOUTHERN NATIONAL LIFE | $635 | — | $635 | 12.58% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 128 | $653K |
| Dental | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 128 | $653K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 112 | $51K |
| Short-term disability | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 112 | $6K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 128 | $653K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.