| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | P.O. BOX 2158 RIVERSIDE, CA 92516 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $42K | — | $42K | 3.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | P.O. BOX 6550 METAIRIE, LA 70009 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | — | $36K | 6.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR. CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | P.O. BOX 6650 METAIRIE, LA 70009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $40K | — | $40K | 10.00% |
| AGIS NETWORK INC3 Filed as: AGIS NETWORK INC. | 2122 KRATKY ROAD ST. LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 9.92% |
| KEVIN GARDNER3 | 111 VETERANS MEMORIAL BLVD. SUITE 940 METAIRIE, LA 70005 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 9.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 3510 N. CAUSEWAY BLVD. SUITE 300 METAIRIE, LA 70002 | FOUR EVER LIFE INSURANCE COMPANY | $14K | — | $14K | 10.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA0 Filed as: HIGHMARK BCBS | 19 NORTH MAIN STREET WILKES BARRE, PA 18711 | FOUR EVER LIFE INSURANCE COMPANY | — | $6K | $6K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 2510 N. CAUSEWAY BLVD. SUITE 200 METAIRIE, LA 70002 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $10K | — | $10K | 10.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 8.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | P.O. BOX 6650 METAIRIE, LA 70009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $60 | $2K | 15.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK, INC. EIN 23-1294723 | Claims processing Service code 12 | — | $583K |
| INFINISOURCE, INC. EIN 38-2976613 | Plan Administrator Service code 14 | — | $29K |
| AETNA BEHAVIORAL HEALTH, LLC PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $18K |
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 | 1,784 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 50 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,834 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FOUR EVER LIFE INSURANCE COMPANY | 33 | $153K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,561 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,034 | $646K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,858 | $401K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,034 | $779K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,034 | — |
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.