| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 911026030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $84K | $5K | $88K | 5.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 91102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $841 | $6K | 17.69% |
| MILTON L. BELFER INSURANCE SERVICES3 | 5655 LINDERO CANYON ROAD SUITE 706 WESTLAKE VILLAGE, CA 91362 | LLOYDS OF LONDON | $6K | — | $6K | 25.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 911026030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $660 | $4K | 18.15% |
| KATHY DUFFY INSURANCE SERVICES3 | 10442 ORMOND STREET SHADOW HILLS, CA 91040 | AFLAC | $1K | $374 | $2K | 11.49% |
| MICHELLE C. LEE3 | 1044 LOMA LISA LANE ARCADIA, CA 91006 | AFLAC | $734 | $186 | $920 | 6.96% |
| MICHAEL R. FISHER3 | 50 W. LEMON AVENUE SUITE 2 MONROVIA, CA 91016 | AFLAC | $332 | $93 | $425 | 3.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON AND COMPANY | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | AFLAC | $422 | — | $422 | 3.19% |
| MICHELLE C. LEE3 Filed as: MICHELLE C LEE | 1044 LOMA LISA LANE ARCADIA, CA 91006 | AFLAC | $533 | $167 | $700 | 5.65% |
| KATHLEEN A. DUFFY INSURANCE SERVICE3 Filed as: KATHLEEN A DUFFY-LARSON | 10442 ORMOND STREET SHADOW HILLS, CA 91040 | AFLAC | $405 | $152 | $557 | 4.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | AFLAC | $438 | — | $438 | 3.54% |
| KATHY DUFFY INSURANCE SERVICES3 | 10442 ORMOND STREET SHADOW HILLS, CA 91040 | AFLAC | $326 | $57 | $383 | 3.09% |
| MICHAEL R. FISHER3 Filed as: MICHAEL R FISHER | 50 W. LEMON AVENUE SUITE 2 MONROVIA, CA 91016 | AFLAC | $114 | $17 | $131 | 1.06% |
| JENNIFER KARSTING3 | 17671 COWAN SUITE 125 IRVINE, CA 92614 | AFLAC | $95 | — | $95 | 0.77% |
| ALYSSA JOAN GUBA3 | 15222 TAYLOR WAY TUSTIN, CA 92782 | AFLAC | $56 | — | $56 | 0.45% |
| BLANCA DAVIS3 Filed as: BLANCA A. DAVIS | 10571 CALLE LEE SUITE 171 LOS ALAMITOS, CA 90720 | AFLAC | $40 | — | $40 | 0.32% |
| EXECUTIVE CONSULTANTS GROUP INC.3 | 1936 E. DEERE AVENUE SUITE 215 SANTA ANA, CA 92705 | AFLAC | $36 | — | $36 | 0.29% |
| BRENDA A HUERTA3 Filed as: BRENDA A. HUERTA | 659 JUNCTION DRIVE APT. D115 ALLEN, TX 75013 | AFLAC | $30 | — | $30 | 0.24% |
| CASSANDRA GREEN3 | 10541 CALLE LEE SUITE 125 LOS ALAMITOS, CA 90720 | AFLAC | $22 | $3 | $25 | 0.20% |
| JASON DAVIS INSURANCE SERVICES INC3 Filed as: JASON DAVIS INSURANCE SERVICES INC. | 10571 CALLE LEE SUITE 125 LOS ALAMITOS, CA 90720 | AFLAC | $21 | $3 | $24 | 0.19% |
| LISA ANN ARENS3 | 10541 CALLE LEE SUITE 125 LOS ALAMITOS, CA 90720 | AFLAC | $12 | $8 | $20 | 0.16% |
| MICHAEL G. TURNER3 | 4657 GUAVA AVENUE SEAL BEACH, CA 90740 | AFLAC | $17 | — | $17 | 0.14% |
| ACRISURE LLC3 | 888 W. 6TH STREET SUITE 500 LOS ANGELES, CA 90017 | AFLAC | $17 | — | $17 | 0.14% |
| ANDREW R GRETHEL3 Filed as: ANDREW R. GRETHEL | 11739 HICKORY RUN COURT LOVELAND, OH 45140 | AFLAC | $15 | — | $15 | 0.12% |
| BRENDA A HUERTA3 Filed as: BRENDA A. HUERTA | 659 JUNCTION DRIVE APT. D112 ALLEN, TX 75013 | AFLAC | $12 | — | $12 | 0.10% |
| ROY DANIELS VILLALOBOS3 | 12011 163RD STREET NORWALK, CA 90650 | AFLAC | $9 | — | $9 | 0.07% |
| JAMES J GRETHEL3 Filed as: JAMES J. GRETHEL | 865 CEDAR DRIVE LOVELAND, OH 45140 | AFLAC | $4 | — | $4 | 0.03% |
| LISA ANN ARENS3 | 5904 WARNER AVENUE SUITE A, #127 HUNTINGTON BEACH, CA 92649 | AFLAC | $3 | — | $3 | 0.02% |
| KERSTIN J VANZANTEN3 Filed as: KERSTIN J. VANZANTEN | 40152 STOWE ROAD TEMECULA, CA 92591 | AFLAC | $2 | — | $2 | 0.02% |
| BARRY MCPHERSON INC3 Filed as: BARRY MCPHERSON INC. | 2211 MICHELSON DRIVE SUITE 1150 IRVINE, CA 92612 | AFLAC | $1 | — | $1 | 0.01% |
| OWEN JOHNSTON3 | 796 N. HART STREET ORANGE, CA 92867 | AFLAC | $1 | — | $1 | 0.01% |
| DALE I DAVIS3 Filed as: DALE I. DAVIS | 5892 CEDARCREEK LANE LEXINGTON, KY 40515 | AFLAC | $1 | — | $1 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 911026030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $838 | $95 | $933 | 16.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 911026030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $441 | $105 | $546 | 18.59% |
| PATRICIA SWANSON4 | 579 W. LEMON AVENUE MONROVIA, CA 91016 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $414 | — | $414 | 18.51% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 91107 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $45 | — | $45 | 2.01% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 126 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 126 | $1.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 126 | $1.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 132 | $21K |
| Short-term disability(2 contracts, 2 carriers) | LLOYDS OF LONDON | 39 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 132 | $31K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 126 | $1.6M |
| Other(4 contracts, 3 carriers) | AFLAC | 132 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.