| 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 | KAISER FOUNDATION HEALTH PLAN INC | $12K | $0 | $12K | 4.22% |
| DENA DOONEY/DDI BENEFITS, INC.3 Filed as: DENA DOONEY | 2111 NORTHEAST HALSEY STREET PORTLAND, OR 97232 | KAISER FOUNDATION HEALTH PLAN INC | -$284 | $0 | -$284 | -0.10% |
| UNKNOWN3 | UNKNOWN MERIDIAN, ID 83642 | DELTA DENTAL OF IDAHO | $7K | $0 | $7K | 4.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $6K | $20K | 14.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 4371 LATHAM STREET, SUITE 101 RIVERSIDE, CA 92501 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $2K | $0 | $2K | 2.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES | 2000 SOUTH COLORADO BOULEVARD SUITE 150 DENVER, CO 80222 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | UNKNOWN MERIDIAN, ID 83642 | WILLAMETTE DENTAL OF IDAHO, INC. | $1K | $0 | $1K | 4.58% |
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 | 334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 57 | $347K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF IDAHO | 220 | $175K |
| Vision | VISION SERVICE PLAN | 286 | $41K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 334 | $142K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 334 | $142K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 334 | $142K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 57 | $347K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 334 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.