| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL INSURANCE SVCS. | 3635 RIVERSIDE PLAZA DR., BLDG. M3, SUITE 320 RIVERSIDE, CA 92506 | UNITED HEALTHCARE INSURANCE COMPANY | $40K | — | $40K | 4.57% |
| INTERCARE INSURANCE SOLUTIONS, INC.3 Filed as: INTERCARE INSURANCE SOLUTIONS INC. | 5375 MIRA SORRENTO PL., STE. 400 SAN DIEGO, CA 92121 | UNITED HEALTHCARE INSURANCE COMPANY | — | $720 | $720 | 0.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS. | 3333 CAMINO DEL RIO S., SUITE 215 SAN DIEGO, CA 92108 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $7K | $19K | 9.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS. | 1903 WRIGHT PLACE, SUITE 280 CARLSBAD, CA 92008 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 10.00% |
| MARRS MADDOCKS & ASSOC. INS. SVCS.3 | 1903 WRIGHT PLACE, SUITE 280 CARLSBAD, CA 92008 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 21.59% |
| MARRS MADDOCKS & ASSOC. INS. SVCS.3 | 1903 WRIGHT PLACE, SUITE 280 CARLSBAD, CA 92008 | UNION SECURITY INSURANCE COMPANY | $718 | — | $718 | 21.51% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 228 | $865K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 218 | $186K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 218 | $186K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 218 | $186K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 221 | $121K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 221 | $113K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 228 | $865K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 218 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.