| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | PO BOX 90756 ALBUQUERQUE, NM 87199 | NEW MEXICO HEALTH CONNECTIONS | $44K | — | $44K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 3390 UNIVERSITY AVE #350 RIVERSIDE, CA 92501 | UNITED CONCORDIA INSURANCE COMPANY | $11K | — | $11K | 7.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | PO BOX 844663 DALLAS, TX 75284 | VISION SERVICE PLAN | $960 | — | $960 | 3.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 90756 ALBUQUERQUE, NM 87199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 16.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF ARIZONA | 2375 E CAMELBACK RD STE 250 PHOENIX, AZ 85016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $97 | $97 | 0.81% |
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 | 409 | 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) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NEW MEXICO HEALTH CONNECTIONS | 409 | $1.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 293 | $147K |
| Vision | VISION SERVICE PLAN | 251 | $24K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11 | $12K |
| Prescription drug | NEW MEXICO HEALTH CONNECTIONS | 409 | $1.1M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.