| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | UNKNOWN NEW ORLEANS, LA 70113 | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | $123K | $45K | $168K | 4.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | AMERITAS LIFE INSURANCE CORP. | $26K | $0 | $26K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 40 EAST ALAMAR AVENUE SANTA BARBARA, CA 93105 | AMERITAS LIFE INSURANCE CORP. | $0 | $8K | $8K | 3.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92506 | UNITEDHEALTHCARE INSURANCE COMPANY | $65K | $0 | $65K | 30.00% |
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 | 362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 672 | $4.1M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 996 | $256K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 996 | $256K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 696 | $217K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 696 | $217K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 696 | $217K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF LOUISIANA | 672 | $4.1M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 696 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 996 | — |
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.