| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 3390 UNIVERSITY AVENUE RIVERSIDE, CA 92501 | AETNA HEALTH, INC. | $30K | — | $30K | 5.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 3390 UNIVERSITY AVENUE RIVERSIDE, CA 92501 | AETNA LIFE INSURANCE COMPANY | $15K | $126 | $15K | 6.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 39 MOUNTAIN VIEW, CA 94042 | AFLAC | $3K | $0 | $3K | 6.05% |
| MJ INSURANCE3 Filed as: YOLAND RICHMAN AND VARIOUS AGENTS | 10000 NEVADA AVENUE CHATSWORTH, CA 91311 | AFLAC | $1K | $259 | $2K | 3.77% |
| JACQUELINE VEGA3 | 9406 SWINTON AVENUE NORTH HILLS, CA 91343 | AFLAC | $614 | $403 | $1K | 2.31% |
| SPALDING GROUP ENTERPRISES3 | 29404 QUAIL RUN DRIVE AGOURA HILLS, CA 91301 | AFLAC | $536 | $0 | $536 | 1.22% |
| SPALDING GROUP ENTERPRISES3 | 4297 KLUMP AVENUE STUDIO CITY, CA 91602 | AFLAC | $173 | $0 | $173 | 0.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 2393 TOWNSGATE ROAD, SUITE 101 WESTLAKE VILLAGE, CA 91361 | AFLAC | $145 | $0 | $145 | 0.33% |
| ALLAN JOHN HARRIS3 | 11712 MOORPARK STREET, SUITE 105 STUDIO CITY, CA 91604 | AFLAC | $143 | $0 | $143 | 0.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | PO BOX 2158 RIVERSIDE, CA 92516 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $425 | — | $425 | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INSURANCE | 3390 UNIVERSITY AVENUE RIVERSIDE, CA 92501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $85 | $85 | 2.00% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 170 | $816K |
| Dental | AETNA LIFE INSURANCE COMPANY | 170 | $222K |
| Vision | AETNA LIFE INSURANCE COMPANY | 170 | $222K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $4K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 170 | $816K |
| Other(2 contracts, 2 carriers) | AFLAC | 121 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.