| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES INC | 3800 N CENTRAL AVE FL 9 PHOENIX, AZ 850121979 | UNITEDHEALTHCARE INSURANCE COMPANY | $56K | — | $56K | 7.75% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | 7202 E ROSEWOOD ST #200 TUCSON, AZ 85710 | UNITEDHEALTHCARE INSURANCE COMPANY | $181 | — | $181 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 100 W WASHINGTON ST FL 4 PHOENIX, AZ 850031802 | UNITEDHEALTHCARE INSURANCE COMPANY | $86 | — | $86 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD AND ASSOCIATES INC | 3800 N CENTRAL AVE FL 9 PHOENIX, AZ 850121979 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 7.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD AND ACCOCIATES INC | 3800 N CENTRAL AVE FL 9 PHOENIX, AZ 850121979 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 16.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD AND ACCOCIATES INC | 3800 N CENTRAL AVE FL 9 PHOENIX, AZ 857121979 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 16.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD AND ASSOCIATES INC | 3800 N CENTRAL AVE FL 9 PHOENIX, AZ 850121979 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $863 | $3K | 21.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK, GOUOLD & ASSOCIATES | 3800 N. CENTRAL AVE, 9TH FLOOR PHOENIX, AZ 85012 | AVESIS INSURANCE INCORPORATED | $1K | — | $1K | 13.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD AND ASSOCIATES INC | 3800 N CENTRAL AVE FL 9 PHOENIX, AZ 850121979 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $481 | $2K | 21.75% |
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 | 168 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 210 | $724K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 159 | $72K |
| Vision | AVESIS INSURANCE INCORPORATED | 131 | $8K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $24K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $23K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $14K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.