| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD. SUITE 300 METARIE, LA 700023531 | UNITED HEALTHCARE INSURANCE COMPANY | $47K | — | $47K | 4.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD. SUITE 300 METARIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $5K | $22K | 19.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 3660 CEDARCREST ROAD, SUITE 200 ACWORTH, GA 30101 | GUARDIAN LIFE | $9K | $2K | $11K | 12.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD., SUITE 300 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $7K | 19.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD., STE 300 METARIE, LA 70002 | RELIASTAR LIFE INSURANCE COMPANY | $11K | — | $11K | 34.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 600 CORPORATE POINTE FI 6 CULVER CITY, CA 90230 | RELIASTAR LIFE INSURANCE COMPANY | $1K | — | $1K | 3.07% |
| T2B SOLUTIONS INC.3 Filed as: T2B SOLUTIONS, INC. | P.O. BOX 43 INDIANOLA, IA 50125 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $250 | $250 | 0.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LIMITE | 3510 N. CAUSEWAY BLVD. SUITE 300 METARIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $6K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LIMITE | 3510 N. CAUSEWAY BLVD. SUITE 300 METARIE, LA 70002 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $235 | $4K | 21.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | SUITE 300 3510 N. CAUSEWAY BLVD. METARIE, LA 70002 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $852 | $3K | 17.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LIMITE | 3510 N. CAUSEWAY BLVD. SUITE 300 METARIE, LA 70002 | UNUM INSURANCE COMPANY | -$1 | -$1 | -$2 | -0.17% |
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 | 319 | 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) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 130 | $1.1M |
| Dental | GUARDIAN LIFE | 166 | $88K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 154 | $17K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $52K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 319 | $112K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 130 | $1.1M |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.