| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 3510 N CAUSEWAY BLVD, STE 300 METAIRIE, LA 70002 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $56K | $32K | $88K | 5.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 3510 N CAUSEWAY BLVD. SUITE 300 METAIRIE, LA 70002 | DELTA DENTAL INSURANCE COMPANY | $14K | — | $14K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 6650 METAIRIE, LA 700096650 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $10K | $26K | 24.10% |
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 | 342 | 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) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 491 | $1.6M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 430 | $137K |
| Vision | BLUE CROSS BLUE SHIELD OF LOUISIANA | 491 | $1.6M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 342 | $109K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 342 | $109K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 342 | $109K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 491 | $1.6M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 342 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.