| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD. SUITE 300 METARIE, LA 70002 | UNITED HEALTHCARE INSURANCE COMPANY | $36K | — | $36K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N. CAUSEWAY BLVD. SUITE 300 METARIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $6K | $21K | 20.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 2487 CEDARCREST ROAD, SUITE 122 ACWORTH, GA 30101 | GUARDIAN LIFE | $8K | $2K | $10K | 12.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD., SUITE 300 METAIRIE, LA 70002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 20.13% |
| 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 | $4K | $1K | $6K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LIMITE | 3510 N. CAUSEWAY BLVD. SUITE 300 METARIE, LA 70002 | UNUM INSURANCE COMPANY | $4K | $762 | $5K | 19.49% |
| 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 | $2K | $57 | $2K | 9.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LIMITE | 3510 N. CAUSEWAY BLVD. SUITE 300 METARIE, LA 70002 | UNUM INSURANCE COMPANY | $2K | $468 | $2K | 16.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | SUITE 300 3510 N. CAUSEWAY BLVD. METARIE, LA 70002 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $707 | $2K | 16.78% |
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 | 325 | 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) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 172 | $898K |
| Dental | GUARDIAN LIFE | 161 | $79K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 135 | $14K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $46K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 325 | $104K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 172 | $898K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.
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.