| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $60K | $18K | $78K | 21.47% |
| WINSTON FINANCIAL SERVICES5 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34, BUILDING C2 MANASQUAN, NJ 08736 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $50K | $50K | 13.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 3635 RIVERSIDE PLAZA DRIVE BUILDING M3 RIVERSIDE, CA 92506 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 3.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1411 OPUS PLACE, SUITE 450 DOWNERS GROVE, IL 60515 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $848 | $848 | 1.22% |
| 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 | 9.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL - NEWPORT BEACH | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 5.74% |
| BENEFITVISION3 | 4522 RFD LONG GROVE, IL 60047 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 3.13% |
| BENEFIT SERVICE CENTER3 Filed as: BENEFIT SERVICE CENTER INC | 9500 TOPANGA CANYON ROAD CHATSWORTH, GA 91311 | TRUSTMARK INSURANCE COMPANY | $287 | $0 | $287 | 0.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL CA ACCOUNTING | 4371 LATHAM STREET, SUITE 101 RIVERSIDE, CA 92501 | NEW BENEFITS LTD | $549 | $0 | $549 | 8.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: EQUITY RISK PARTNERS INSURANCE SVCS | 90 NEW MONTGOMERY STREET SUITE 250 SAN FRANCISCO, CA 94105 | FEDERAL INSURANCE COMPANY | $237 | $33 | $270 | 17.09% |
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 | 522 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 559 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 483 | $70K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 483 | $70K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,679 | $396K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,679 | $362K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,679 | $362K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,679 | $382K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,679 | — |
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.