| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 456 MONTGOMERY STREET, SUITE 1200 SAN FRANCISCO, CA 94104 | HUMANA INSURANCE COMPANY | $38K | $500 | $38K | 5.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | HUMANA INSURANCE COMPANY | $0 | $14K | $14K | 2.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $71K | $27K | $98K | 22.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | TRUSTMARK INSURANCE COMPANY | $3K | $0 | $3K | 9.95% |
| BENEFITVISION3 | 2550 INTERSTATE DRIVE, SUITE 302 HARRISBURG, PA 17112 | TRUSTMARK INSURANCE COMPANY | $808 | $0 | $808 | 2.61% |
| BENEFIT SERVICE CENTER3 Filed as: BENEFIT SERVICE CENTER INC. | 9500 TOPANGA CANYON BOULEVARD CHATSWORTH, CA 91311 | TRUSTMARK INSURANCE COMPANY | $221 | $0 | $221 | 0.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB - NEWPORT BEACH | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | TRUSTMARK INSURANCE COMPANY | $197 | $0 | $197 | 0.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 4695 MC ARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | ARAG INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB ACCOUNTING OFFICE HUBCA | UNKNOWN LOS ANGELES, CA 90015 | NEW BENEFITS LTD | $490 | $0 | $490 | 6.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 456 MONTGOMERY STREET, SUITE 1200 SAN FRANCISCO, CA 94104 | HUMANADENTAL INSURANCE COMPANY | $433 | $0 | $433 | 6.60% |
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 | 1,557 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,560 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 803 | $651K |
| Vision | HUMANA INSURANCE COMPANY | 803 | $645K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,712 | $478K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,712 | $447K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,712 | $447K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,712 | $468K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,712 | — |
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.