| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INT. MOUNTAIN STATES LTD | 157 RIVER VISTA DRIVE TWIN FALLS, ID 83301 | PAN-AMERICA LIFE INSURANCE COMPANY | — | $110K | $110K | 160.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INT. MOUNTAIN STATES LTD | 157 RIVER VISTA DRIVE TWIN FALLS, ID 83301 | PAN-AMERICA LIFE INSURANCE COMPANY | $13K | — | $13K | 19.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INT. MOUNTAIN STATES LTD | 157 RIVER VISTA DRIVE TWIN FALLS, ID 83301 | PAN-AMERICA LIFE INSURANCE COMPANY | — | $9K | $9K | 12.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PAN-AMERICAN LIFE INSURANCE COMPANY EIN 72-0281240 N/A | Contract Administrator Service code 13 | 601 POYDRAS ST NEW ORLEANS, LA 70130 | $15K |
| HUB INT MOUNTAIN STATES LTD N/A | Consulting (general) Service code 16 | 157 RIVER VISTA PLACE TWIN FALLS, ID 83301 | $14K |
| PAN-AMERICAN BENEFIT SOLUTIONS EIN 72-0281240 N/A | Insurance services Service code 23 | 1778 NO PLANO RD 310 RICHARDSON, TX 75081 | $14K |
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 | 252 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PAN-AMERICA LIFE INSURANCE COMPANY | 252 | $68K |
| Stop-loss / reinsurancereinsurance | PAN-AMERICA LIFE INSURANCE COMPANY | 252 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.