| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMITED / | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 MITAIRIE, LA 70002 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | $19K | — | $19K | 1.59% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS, INC./LANDON FIELDING | 465 SOUTH 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | $17K | — | $17K | 1.41% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS, INC. / LANDON FIELDIN | 465 SOUTH 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | $3K | — | $3K | 3.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMITED / | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 MITAIRIE, LA 70002 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | $3K | — | $3K | 2.96% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INC. / LANDON FIELDING | 465 SOUTH 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $662 | — | $662 | 3.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BLVD MITAIRIE, LA 70002 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $636 | — | $636 | 2.94% |
| GBS BENEFITS INC3 | 465 SOUTH 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 11.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | HARTFORD LIFE AND ACCIDENT | -$124 | — | -$124 | -0.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1125 17TH STREET SUITE 900 DENVER, CO 80202 | AMERITAS | $2K | — | $2K | 14.24% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 1 KINGSTON PIKE SUITE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| SCEROLER, STEPHAN3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $972 | — | $972 | 14.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 70009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $417 | — | $417 | 6.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 1 KINGSTON PIKE SUITE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $724 | — | $724 | 15.01% |
| SCEROLER, STEPHAN3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $675 | — | $675 | 13.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 70009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $289 | — | $289 | 5.99% |
| SCEROLER, STEPHAN3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $986 | — | $986 | 21.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 70009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $423 | — | $423 | 9.01% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE SUITE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $235 | — | $235 | 5.00% |
| SCEROLER, STEPHAN3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $838 | — | $838 | 18.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE SUITE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $466 | — | $466 | 10.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 70009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $326 | — | $326 | 7.00% |
| SCEROLER, STEPHAN3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $712 | — | $712 | 18.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE SUITE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $396 | — | $396 | 10.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 70009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $277 | — | $277 | 7.00% |
| SCEROLER, STEPHAN3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $259 | — | $259 | 10.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 70009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $129 | — | $129 | 4.98% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE SUITE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $129 | — | $129 | 4.98% |
| SCEROLER, STEPHAN3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $324 | — | $324 | 20.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 70009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $139 | — | $139 | 9.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE SUITE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $77 | — | $77 | 4.99% |
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 |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 366 | $118K |
| Vision(2 contracts, 2 carriers) | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | 245 | $36K |
| Life insurance(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 457 | $24K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 457 | $23K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 457 | $21K |
| Stop-loss / reinsurancereinsurance | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 342 | $1.2M |
| Other(6 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 457 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.