| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC | PO BOX 3310 SANTA BARBARA, CA 93130 | BLUE CROSS OF CALIFORNIA | $36K | $10K | $47K | 6.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 39 MOUNTAIN VIEW, CA 94042 | AFLAC | $3K | $0 | $3K | 5.88% |
| MJ INSURANCE3 Filed as: ALFRED RIETKERK AND VARIOUS AGENTS | 438 PISGAH PIKE PULASKI, TN 38478 | AFLAC | $1K | $3 | $1K | 2.99% |
| SPALDING GROUP ENTERPRISES3 | 29404 QUAIL RUN DRIVE AGOURA HILLS, CA 91301 | AFLAC | $643 | $0 | $643 | 1.48% |
| JACQUELINE VEGA3 | 9406 SWINTON AVENUE NORTH HILLS, CA 91343 | AFLAC | $398 | $16 | $414 | 0.95% |
| LABAN MATTHEW SPALDING3 | 29404 QUAIL RUN DRIVE AGOURA HILLS, CA 91301 | AFLAC | $180 | $0 | $180 | 0.41% |
| RENEE SUZANNE CORSO3 | 5805 SEPULVEDA BOULEVARD SUITE 700 SHERMAN OAKS, CA 91411 | AFLAC | $163 | $3 | $166 | 0.38% |
| ALAN HARRIS3 Filed as: ALAN JOHN HARRIS | 11712 MOORPARK STREET, SUITE 105 STUDIO CITY, CA 91604 | AFLAC | $142 | $0 | $142 | 0.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INSURANCE | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | AETNA LIFE INSURANCE COMPANY | $2K | $212 | $2K | 16.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC | PO BOX 2158 RIVERSIDE, CA 92516 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $496 | $0 | $496 | 9.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INSURANCE | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $99 | $99 | 1.99% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 129 | $696K |
| Dental | BLUE CROSS OF CALIFORNIA | 129 | $696K |
| Vision | AETNA LIFE INSURANCE COMPANY | 110 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 102 | $5K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 129 | $696K |
| Other(2 contracts, 2 carriers) | AFLAC | 102 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.