| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 3310 SANTA BARBARA, CA 931303310 | UNITEDHEALTHCARE INSURANCE COMPANY | $39K | — | $39K | 10.60% |
| INTERCARE INSURANCE SOLUTIONS, INC.3 Filed as: INTERCARE INS SOLUTIONS INC | 5375 MIRA SORRENTO PL #400 SAN DIEGO, CA 921213804 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $9K | $9K | 2.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL INS SVCS INC | 5405 MOREHOUSE DR #340 SAN DIEGO, CA 921214725 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 1.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES | PO BOX 3310 SANTA BARBARA, CA 93130 | UNIMERICA LIFE INSURANCE SERVICES | $9K | — | $9K | 14.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | P.O. BOX 2158 RIVERSIDE, CA 92516 | NATIONWIDE | $375 | — | $375 | 15.00% |
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 | 432 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $371K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $371K |
| Life insurance | UNIMERICA LIFE INSURANCE SERVICES | 432 | $61K |
| Long-term disability | UNIMERICA LIFE INSURANCE SERVICES | 432 | $61K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 277 | $371K |
| Other(2 contracts, 2 carriers) | UNIMERICA LIFE INSURANCE SERVICES | 432 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.